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Credit Cards · Kingston, New York

Best Credit Union Credit Card Rates in Kingston, New York

2 credit unions in Kingston report credit card APRs to the NCUA. Rates range from 11.95% to 16.13%.

Updated Q1 2026 · NCUA Call Report data

2

CUs Reporting Rates

11.95%

Lowest Card APR

14.04%

City Average APR

Credit Card APRs — Kingston, New York

2 credit unions sorted by APR

#Credit UnionCard APRPersonal Loan APR
1ULSTER

★ 4.8 · 13 reviews

11.95%15.90%
2MID-HUDSON VALLEY

★ 4.3 · 158 reviews

16.13%11.76%
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 Kingston 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 Kingston credit unions require just a small savings deposit — often $5 — to open membership before applying for a card.

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