M

Credit Cards · Poughkeepsie, New York

Best Credit Union Credit Card Rates in Poughkeepsie, New York

2 credit unions in Poughkeepsie report credit card APRs to the NCUA. Rates range from 14.30% to 16.75%.

Updated Q1 2026 · NCUA Call Report data

2

CUs Reporting Rates

14.30%

Lowest Card APR

15.53%

City Average APR

Credit Card APRs — Poughkeepsie, New York

2 credit unions sorted by APR

#Credit UnionCard APRPersonal Loan APR
1TEG

★ 4.6 · 166 reviews

14.30%12.59%
2HUDSON VALLEY16.75%11.74%
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 Poughkeepsie 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 Poughkeepsie credit unions require just a small savings deposit — often $5 — to open membership before applying for a card.

Also Compare in Poughkeepsie

Best Car Loan Rates →Best Personal Loan Rates →All of New York →

Browse All Credit Unions in Poughkeepsie

See member reviews, branch locations, and full rate details.

Credit Unions in Poughkeepsie →All of New York →