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Loans & Credit Cards

Credit Cards

Sperry offers a variety of low-rate credit cards that help you build credit, pay-down other balances, and much, much more. Even better, Sperry's cards are connected with the latest tech, ensuring the connectivity and security you've come to expect with Sperry. Scroll down, check out what options Sperry has, and experience better banking with a local financial institution that has been serving Long Islanders for over 80 years!  

If you're looking for great 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! Even more better is that all of Sperry Associates FCU's consumer credit cards are compatible with Apple Pay!

Apple Pay is easy and works with the Apple devices you use every day. You can make secure purchases in stores, in apps, and on the web. And you can send and receive money from friends and family right in Messages. The future is now!

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

Requesting a balance transfer at Sperry is easy! To begin, click the button below:

I'd Like To 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.

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
  • Compatible with Apple Pay
  • 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
  • Compatible with Apple Pay
  • 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
  • Compatible with Apple Pay
  • 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
  • Compatible with Apple Pay
  • 24/7 account access with our FREE Online Banking or FREE Mobile Banking App

Apply

 

 

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