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Credit Cards · New Brunswick, New Jersey

Best Credit Union Credit Card Rates in New Brunswick, New Jersey

2 credit unions in New Brunswick report credit card APRs to the NCUA. Rates range from 12.86% to 12.96%.

Updated Q1 2026 · NCUA Call Report data

2

CUs Reporting Rates

12.86%

Lowest Card APR

12.91%

City Average APR

Credit Card APRs — New Brunswick, New Jersey

2 credit unions sorted by APR

#Credit UnionCard APRPersonal Loan APR
1NEW BRUNSWICK POSTAL

★ 4.7 · 18 reviews

12.86%18.00%
2RUTGERS

★ 3.0 · 6 reviews

12.96%8.95%
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 New Brunswick 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 New Brunswick credit unions require just a small savings deposit — often $5 — to open membership before applying for a card.

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See member reviews, branch locations, and full rate details.

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