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Credit Cards · Westbury, New York

Best Credit Union Credit Card Rates in Westbury, New York

2 credit unions in Westbury report credit card APRs to the NCUA. Rates range from 10.80% to 12.78%.

Updated Q1 2026 · NCUA Call Report data

2

CUs Reporting Rates

10.80%

Lowest Card APR

11.79%

City Average APR

Credit Card APRs — Westbury, New York

2 credit unions sorted by APR

#Credit UnionCard APRPersonal Loan APR
1LUFTHANSA EMP.

★ 3.7 · 3 reviews

10.80%7.00%
2JOVIA FINANCIAL

★ 3.3 · 251 reviews

12.78%12.11%
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 Westbury 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 Westbury credit unions require just a small savings deposit — often $5 — to open membership before applying for a card.

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