Credit union · NCUA insured
Utica Gas & Electric Federal Credit Union Credit Card Rates
Top CarrotUtica Gas & Electric Federal Credit Union credit cards start at 8.90% APR on purchases, after any introductory rate. Rates checked October 16, 2026.
How Utica Gas & Electric Federal Credit Union’s credit card rates compare
Compared with banks and credit unions near Utica, NY, where Utica Gas & Electric Federal Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Utica Gas & Electric Federal Credit Union
8.90%APR
- Up to
- 13.75% APR
Visa Rewards Card
Lowest rate
Remington Federal Credit Union
6.99%APR
- Up to
- —
2nd-lowest rate
First Source Federal Credit Union
8.90%APR
- Up to
- —
Utica Gas & Electric Federal Credit Union credit card score
89
Credit card score
Higher than 87% of U.S. banks and credit unions
- Purchase APRPurchase APR8.90%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Utica Gas & Electric Federal Credit Union ranks
By credit card score, in each area where it has branches
Every rate
Current credit card rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit.
Classic Visa Credit Card
Credit line up to $15,000. Online Account Access, eStatements.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 6.90%–12.90% | None | Based on creditworthiness. No transaction fee. |
| Intro, 12 months | 3.25% | None | Introductory Balance Transfer rate for 12 billing cycles from issuance of the card. Applies to transactions posted during first 60 days following card issuance. After that, APR will be 6.90% to 13.75% based on creditworthiness. Existing UGEFCU balances not eligible. |
Sources (2)
All captured Oct 16, 2026
Visa Rewards Card
Credit line from $500 up to $20,000. Fixed Rate. uChoose Reward Points - 1.5 points for every dollar spent on purchases.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 8.90%–13.75% | None | Based on creditworthiness. Fixed rate. No transaction fee. |
| Intro, 12 months | 3.25% | None | Introductory Balance Transfer Rate. 12 billing cycles from issuance of the card, after that APR will be 6.90% to 13.75% based on creditworthiness. |
Sources (2)
All captured Oct 7, 2026
Who can join Utica Gas & Electric Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Membership is open to employees of National Grid and listed select employer groups (SEGs).
Family and household
- Membership is open to family members and household members of eligible employees.
Cost to join
- An account can be opened with as little as $5.00.
Membership information collected October 5, 2026.