Credit Cards · Brooklyn, New York

Best Credit Union Credit Card Rates in Brooklyn, New York

4 credit unions in Brooklyn report credit card APRs to the NCUA. Rates range from 11.90% to 18.00%.

Updated Q1 2026 · NCUA Call Report data

CUs Reporting Rates

11.90%

Lowest Card APR

14.47%

City Average APR

Credit Card APRs — Brooklyn, New York

4 credit unions sorted by APR

#	Credit Union	Card APR	Personal Loan APR
1	CONSUMERS ★ 4.1 · 19 reviews	11.90%	12.02%
2	POLISH & SLAVIC ★ 4.2 · 55 reviews	13.49%	11.49%
3	NYM ★ 4.4 · 9 reviews	14.50%	9.27%
4	BROOKLYN COOPERATIVE ★ 4.3 · 160 reviews	18.00%	13.40%

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

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Browse All Credit Unions in Brooklyn

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