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Credit Cards · Hauppauge, New York

Best Credit Union Credit Card Rates in Hauppauge, New York

2 credit unions in Hauppauge report credit card APRs to the NCUA. Rates range from 10.90% to 11.95%.

Updated Q1 2026 · NCUA Call Report data

2

CUs Reporting Rates

10.90%

Lowest Card APR

11.43%

City Average APR

Credit Card APRs — Hauppauge, New York

2 credit unions sorted by APR

#Credit UnionCard APRPersonal Loan APR
1PEOPLE'S ALLIANCE

★ 3.1 · 63 reviews

10.90%9.75%
2ISLAND

★ 4.5 · 107 reviews

11.95%11.50%
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 Hauppauge 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 Hauppauge credit unions require just a small savings deposit — often $5 — to open membership before applying for a card.

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