Credit Cards · York, Pennsylvania

Best Credit Union Credit Card Rates in York, Pennsylvania

5 credit unions in York report credit card APRs to the NCUA. Rates range from 9.99% to 11.64%.

Updated Q1 2026 · NCUA Call Report data

CUs Reporting Rates

9.99%

Lowest Card APR

10.90%

City Average APR

Credit Card APRs — York, Pennsylvania

5 credit unions sorted by APR

#	Credit Union	Card APR	Personal Loan APR
1	YORK EDUCATIONAL ★ 3.8 · 10 reviews	9.99%	7.80%
2	PACE RESOURCES	10.50%	12.75%
3	HERITAGE VALLEY ★ 4.7 · 39 reviews	10.90%	13.47%
4	FIRST CAPITAL ★ 3.9 · 67 reviews	11.49%	9.75%
5	WHITE ROSE ★ 3.7 · 27 reviews	11.64%	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 York 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 York credit unions require just a small savings deposit — often $5 — to open membership before applying for a card.

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Browse All Credit Unions in York

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