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Credit Cards · Oswego, New York

Best Credit Union Credit Card Rates in Oswego, New York

3 credit unions in Oswego report credit card APRs to the NCUA. Rates range from 9.20% to 9.50%.

Updated Q1 2026 · NCUA Call Report data

3

CUs Reporting Rates

9.20%

Lowest Card APR

9.32%

City Average APR

Credit Card APRs — Oswego, New York

3 credit unions sorted by APR

#Credit UnionCard APRPersonal Loan APR
1COMPASS

★ 4.5 · 13 reviews

9.20%8.16%
2OSWEGO COUNTY

★ 4.5 · 54 reviews

9.25%11.25%
3OSWEGO TEACHERS EMPLOYEES

★ 5.0 · 5 reviews

9.50%7.74%
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 Oswego 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 Oswego credit unions require just a small savings deposit — often $5 — to open membership before applying for a card.

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