Credit Cards · North Baldwin, New York

Best Credit Union Credit Card Rates in North Baldwin, New York

1 credit union in North Baldwin report credit card APRs to the NCUA. Lowest rate: 15.40%.

Updated Q1 2026 · NCUA Call Report data

CUs Reporting Rates

15.40%

Lowest Card APR

15.40%

City Average APR

Credit Card APRs — North Baldwin, New York

1 credit union sorted by APR

#	Credit Union	Card APR	Personal Loan APR
1	TOWN OF HEMPSTEAD EMPLOYEES ★ 3.8 · 19 reviews	15.40%	15.75%

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

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