Credit Cards · Hamilton, New Jersey

Best Credit Union Credit Card Rates in Hamilton, New Jersey

2 credit unions in Hamilton report credit card APRs to the NCUA. Rates range from 12.70% to 13.99%.

Updated Q1 2026 · NCUA Call Report data

CUs Reporting Rates

12.70%

Lowest Card APR

13.35%

City Average APR

Credit Card APRs — Hamilton, New Jersey

2 credit unions sorted by APR

#	Credit Union	Card APR	Personal Loan APR
1	HAMILTON HORIZONS ★ 4.0 · 25 reviews	12.70%	14.86%
2	CENTRAL JERSEY POLICE & FIRE ★ 5.0 · 5 reviews	13.99%	11.16%

Rates from NCUA Call Report (5300) filings, updated Q1 2026. Actual rate depends on creditworthiness. ~65% of credit unions report credit card rates.

Lower APR Beats Rewards If You Carry a Balance

On a $3,000 balance, a 10% APR vs. 20% APR saves $300/year in interest. A credit union card in Hamilton could save you significantly more than any rewards program.

Join First, Then Apply

You must be a member to get a credit union credit card. Most Hamilton credit unions require just a small savings deposit — often $5 — to open membership before applying for a card.

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