Credit Cards · Ballston Spa, New York

Best Credit Union Credit Card Rates in Ballston Spa, New York

1 credit union in Ballston Spa report credit card APRs to the NCUA. Lowest rate: 8.96%.

Updated Q1 2026 · NCUA Call Report data

CUs Reporting Rates

8.96%

Lowest Card APR

8.96%

City Average APR

Credit Card APRs — Ballston Spa, New York

1 credit union sorted by APR

#	Credit Union	Card APR	Personal Loan APR
1	TCT ★ 4.8 · 63 reviews	8.96%	10.50%

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

Also Compare in Ballston Spa

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

Browse All Credit Unions in Ballston Spa

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

Credit Unions in Ballston Spa →All of New York →