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Credit Cards · Long Island Cit, New York

Best Credit Union Credit Card Rates in Long Island Cit, New York

3 credit unions in Long Island Cit report credit card APRs to the NCUA. Rates range from 11.38% to 15.49%.

Updated Q1 2026 · NCUA Call Report data

3

CUs Reporting Rates

11.38%

Lowest Card APR

13.16%

City Average APR

Credit Card APRs — Long Island Cit, New York

3 credit unions sorted by APR

#Credit UnionCard APRPersonal Loan APR
1GREATER METRO

★ 3.8 · 15 reviews

11.38%10.03%
2URBAN UPBOUND

★ 4.1 · 16 reviews

12.60%12.60%
3UNITED NATIONS

★ 4.2 · 21 reviews

15.49%9.20%
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 Long Island Cit 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 Long Island Cit credit unions require just a small savings deposit — often $5 — to open membership before applying for a card.

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