Credit Cards · Utica, New York

Best Credit Union Credit Card Rates in Utica, New York

2 credit unions in Utica report credit card APRs to the NCUA. Rates range from 9.95% to 12.00%.

Updated Q1 2026 · NCUA Call Report data

CUs Reporting Rates

9.95%

Lowest Card APR

10.98%

City Average APR

Credit Card APRs — Utica, New York

2 credit unions sorted by APR

#	Credit Union	Card APR	Personal Loan APR
1	UTICA DISTRICT TELEPHONE EMPLOYEES ★ 5.0 · 3 reviews	9.95%	10.32%
2	ONEIDA COUNTY ★ 5.0 · 2 reviews	12.00%	10.00%

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

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