Credit union · NCUA insured
Van Cortlandt Cooperative Federal Credit Union (VCCFCU) Credit Card Rates
Van Cortlandt Cooperative Federal Credit Union (VCCFCU) credit cards start at 9.90% APR on purchases, after any introductory rate. Rates checked October 16, 2026.
How Van Cortlandt Cooperative Federal Credit Union (VCCFCU)’s credit card rates compare
Compared with banks and credit unions near New York, NY-NJ, where Van Cortlandt Cooperative Federal Credit Union (VCCFCU) has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Van Cortlandt Cooperative Federal Credit Union (VCCFCU)
9.90%APR
The VISA Classic
Lowest rate
Fox Federal Credit Union
6.95%APR
2nd-lowest rate
NYU Federal Credit Union
7.90%APR
Van Cortlandt Cooperative Federal Credit Union (VCCFCU) credit card score
84
Credit card score
Higher than 65% of U.S. banks and credit unions
- Purchase APRPurchase APR9.90%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Van Cortlandt Cooperative Federal Credit Union (VCCFCU) 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.
The VISA Classic
Credit lines from $500 to $15,000. Access via Online banking and/or Cardvalet. No minimum finance charge. Grace period 25 days on purchases if balance paid in full monthly, no grace period for cash advances. Delinquency APR of 16.90% applies if minimum due is not paid by due date.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 9.90% | None | 25 days grace period on purchases if balance is paid in full monthly. No transaction fee for purchases. |
| Ongoing | 11.90% | None | There is no grace period for cash advances. |
Sources (2)
All captured Oct 6, 2026
The Visa Secured
Secured by funds pledged in share account. Designed for members with bad credit or no credit history. Has all advantages of the Visa Classic card. Grace period 25 days on purchases if balance paid in full monthly, no grace period for cash advances. Delinquency APR of 16.90% applies if minimum due is not paid by due date.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 9.90% | None | 25 days grace period on purchases if balance is paid in full monthly. No transaction fee for purchases. |
| Ongoing | 11.90% | None | There is no grace period for cash advances. |
Sources (2)
All captured Oct 6, 2026
Who can join Van Cortlandt Cooperative Federal Credit Union (VCCFCU)
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees of the Amalgamated, Park Reservoir, Mutual, Orloff Towers, and Cannon Heights Cooperatives are eligible for membership.
- Employees of the Van Cortlandt Cooperative Federal Credit Union are eligible for membership.
- Members of the Van Cortlandt Jewish Center are eligible for membership.
- Employees, Board members, and members of the Van Cortlandt Park Alliance in Bronx, NY are eligible for membership.
Military, government and schools
- Employees and students of the Amalgamated Nursery school are eligible for membership.
Family and household
- Immediate family members (spouse, child, sibling, parent, grandparent, grandchild, stepchild, stepparent, stepsibling, and adopted child) of Van Cortlandt Cooperative Federal Credit Union members are eligible for membership.
2 more ways to join
Family and household
- Household members of Van Cortlandt Cooperative Federal Credit Union members are eligible for membership.
Other ways
- Residents of the Amalgamated, Park Reservoir, Mutual, Orloff Towers, and Cannon Heights Cooperatives are eligible for membership.
Membership information collected October 5, 2026.