Loans & Credit Cards

Credit Cards

Sperry FCU’s credit cards offer solutions for everyone and every need.  Whether you’re seeking credit card rewards, looking to repair your credit or want to transfer your high credit card balances to one low-rate card, we’ve got you covered!

Platinum MasterCard®

  • Introductory rate of 1.78% APR for the first six months2
  • Variable rate
  • Credit line amount up to $25,000
  • Auto-Pay option available
  • 24/7 account access with our FREE Online Banking or FREE Mobile Banking App

Apply

Platinum MasterCard with Rewards

  • Introductory rate of 1.78% APR for the first six months2
  • Variable rate
  • Credit line amount up to $25,000
  • Auto-Pay option available
  • 24/7 account access with our FREE Online Banking or FREE Mobile App

Apply

Platinum Secured MasterCard

Our Platinum Secured MasterCard makes it easy and safe to establish or rebuild credit because you may charge only what you can afford.  Put funds into a Sperry Share Account which acts as your “security deposit" or collateral - that deposit will be equaled to your card’s credit limit.

How does it work? Just like a regular credit card - where you charge items to your account, make monthly payments and pay interest.

  • Fixed rate
  • Credit line amount based upon cash collateral on deposit
  • Auto-Pay option available
  • 24/7 account access with our FREE Online Banking or FREE Mobile Banking App

Apply

Credit Builder MasterCard

Low credit score?  Bulk up your credit!  It’s easy with Sperry FCU’s Credit Builder MasterCard.  Designed for those with little to no credit or those who need some improvement.

  • Fixed rate
  • Credit line amount up to $1,000
  • Auto-Pay option available
  • 24/7 account access with our FREE Online Banking or FREE Mobile Banking App

Apply

Platinum MasterCard Balance Transfer Program

Make your high-rate credit card balances more manageable with our Platinum MasterCard Balance Transfer.  With the low rate of 1.78% APR, you will reduce your monthly payment; providing you with the ability to pay down your debt faster than before.

  • 1.78% APR1 on balance transfers and new purchases for the next 12 billing cycles
  • $0 transfer fee

To request a balance transfer:

1. Please click the "Request Balance Transfer" button below

2. Fill out the Balance Transfer Request form

3. Mail your completed and signed Balance Transfer Request form to Sperry FCU, ATTN: Lending Dept., 2400 Jericho Turnpike, Garden City Park, NY 11040

Request Balance Transfer

 

1 APR = Annual Percentage Rate. $1,000 minimum balance transfer amount. Balance transfer requests subject to approval and will require

processing time. New credit card application decisions based on credit worthiness and other criteria. Promotional rate of 1.78% applies to

balance transfers made from non-Sperry FCU credit cards and purchases made during the promotional period. Promotional period is 12 billing cycles

from the date of the first balance transfer. Rate may revert to prevailing rate on accounts with negative activity. Cash advance rates remain at

the prevailing rate and are not eligible for the promotional rate. Business MasterCards® ineligible for this offer. Membership required.

2 Introductory rate of as low as 1.78% APR for the first six months.  Certain restrictions may apply.  Rates and terms are subject to change without notice.

 

 

 

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