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Credit Cards · Ithaca, New York

Best Credit Union Credit Card Rates in Ithaca, New York

2 credit unions in Ithaca report credit card APRs to the NCUA. Rates range from 13.24% to 13.49%.

Updated Q1 2026 · NCUA Call Report data

2

CUs Reporting Rates

13.24%

Lowest Card APR

13.37%

City Average APR

Credit Card APRs — Ithaca, New York

2 credit unions sorted by APR

#Credit UnionCard APRPersonal Loan APR
1ALTERNATIVES

★ 3.0 · 76 reviews

13.24%10.25%
2BEGINNINGS

★ 2.4 · 60 reviews

13.49%9.50%
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 Ithaca 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 Ithaca credit unions require just a small savings deposit — often $5 — to open membership before applying for a card.

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