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Credit Cards · Waterbury, Connecticut

Best Credit Union Credit Card Rates in Waterbury, Connecticut

3 credit unions in Waterbury report credit card APRs to the NCUA. Rates range from 8.49% to 9.90%.

Updated Q1 2026 · NCUA Call Report data

3

CUs Reporting Rates

8.49%

Lowest Card APR

9.11%

City Average APR

Credit Card APRs — Waterbury, Connecticut

3 credit unions sorted by APR

#Credit UnionCard APRPersonal Loan APR
1WATERBURY CONNECTICUT TEACHERS

★ 3.8 · 23 reviews

8.49%8.24%
2FD COMMUNITY

★ 3.8 · 45 reviews

8.95%11.00%
3SKYLINE FINANCIAL

★ 4.4 · 85 reviews

9.90%11.70%
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 Waterbury 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 Waterbury credit unions require just a small savings deposit — often $5 — to open membership before applying for a card.

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