Credit Cards · New Hartford, New York
4 credit unions in New Hartford report credit card APRs to the NCUA. Rates range from 8.99% to 13.75%.
Updated Q1 2026 · NCUA Call Report data
4
CUs Reporting Rates
8.99%
Lowest Card APR
10.50%
City Average APR
4 credit unions sorted by APR
| # | Credit Union | Card APR | Personal Loan APR |
|---|---|---|---|
| 1 | G.P.O. ★ 2.9 · 19 reviews | 8.99% | 7.18% |
| 2 | FIRST SOURCE ★ 3.2 · 83 reviews | 9.34% | 11.73% |
| 3 | SPECIAL METALS ★ 4.5 · 8 reviews | 9.90% | 10.00% |
| 4 | UTICA GAS & ELECTRIC EMP ★ 4.7 · 13 reviews | 13.75% | 8.25% |
On a $3,000 balance, a 10% APR vs. 20% APR saves $300/year in interest. A credit union card in New Hartford could save you significantly more than any rewards program.
You must be a member to get a credit union credit card. Most New Hartford credit unions require just a small savings deposit — often $5 — to open membership before applying for a card.
See member reviews, branch locations, and full rate details.