Credit Cards · Massena, New York

Best Credit Union Credit Card Rates in Massena, New York

2 credit unions in Massena report credit card APRs to the NCUA. Rates range from 8.88% to 8.99%.

Updated Q1 2026 · NCUA Call Report data

CUs Reporting Rates

8.88%

Lowest Card APR

8.94%

City Average APR

Credit Card APRs — Massena, New York

2 credit unions sorted by APR

#	Credit Union	Card APR	Personal Loan APR
1	TWIN RIVERS ★ 4.1 · 13 reviews	8.88%	13.45%
2	SEA COMM ★ 3.8 · 38 reviews	8.99%	9.88%

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

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