Credit Cards · Smithtown, New York

Best Credit Union Credit Card Rates in Smithtown, New York

1 credit union in Smithtown report credit card APRs to the NCUA. Lowest rate: 15.45%.

Updated Q1 2026 · NCUA Call Report data

CUs Reporting Rates

15.45%

Lowest Card APR

15.45%

City Average APR

Credit Card APRs — Smithtown, New York

1 credit union sorted by APR

#	Credit Union	Card APR	Personal Loan APR
1	TEACHERS ★ 2.2 · 13 reviews	15.45%	10.99%

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

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