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Credit Cards · Parsippany, New Jersey

Best Credit Union Credit Card Rates in Parsippany, New Jersey

2 credit unions in Parsippany report credit card APRs to the NCUA. Rates range from 7.95% to 8.00%.

Updated Q1 2026 · NCUA Call Report data

2

CUs Reporting Rates

7.95%

Lowest Card APR

7.98%

City Average APR

Credit Card APRs — Parsippany, New Jersey

2 credit unions sorted by APR

#Credit UnionCard APRPersonal Loan APR
1UNION BUILDING TRADES

★ 3.1 · 15 reviews

7.95%11.18%
2GARDEN SAVINGS

★ 4.5 · 479 reviews

8.00%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 Parsippany 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 Parsippany credit unions require just a small savings deposit — often $5 — to open membership before applying for a card.

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