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Credit Cards · Albany, New York

Best Credit Union Credit Card Rates in Albany, New York

4 credit unions in Albany report credit card APRs to the NCUA. Rates range from 11.00% to 16.38%.

Updated Q1 2026 · NCUA Call Report data

4

CUs Reporting Rates

11.00%

Lowest Card APR

13.19%

City Average APR

Credit Card APRs — Albany, New York

4 credit unions sorted by APR

#Credit UnionCard APRPersonal Loan APR
1NY FIREFIGHTERS BRAVEST

★ 5.0 · 58 reviews

11.00%12.00%
2BROADVIEW

★ 3.1 · 108 reviews

11.99%12.25%
3FIRST NEW YORK

★ 3.9 · 35 reviews

13.40%9.24%
4SUNMARK

★ 4.2 · 67 reviews

16.38%14.74%
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 Albany 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 Albany credit unions require just a small savings deposit — often $5 — to open membership before applying for a card.

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