Credit Cards

Whether you’re looking for traditional benefits or just low rates, we’ve got a card for you.

Parks Heritage Visa®
With our NON-VARIABLE RATE credit card program, you'll get generous benefits, including:

  • Low introductory APR - introductory period 6 months
  • Low APR after introductory period
  • Low APR balance transfer rates
  • Low APR cash advance rates
  • No balance transfer fee
  • No cash advance fee
  • No annual fee
  • No over-the-limit fee
  • No foreign transaction fee

* Please contact our experienced loan department for rates and qualifications at (518) 926-4700

Type Rate
Rewards APR* as low as 8.95%
Fresh Start APR* as low as 18.00%
Secured APR* as low as 15.95%

*APR = Annual Percentage Rate.
Minimum line of credit $250; maximum line of credit $15,000. Rate disclosed is a non-variable rate. The introductory APR is offered for Visa Rewards credit cards only for purchases, balance transfers and cash advances during the first 6 months the account is open. The introductory APR is a 2% discount of final rate offered. After introductory APR expires, the prevailing credit card rate applies. No balance transfer or cash advance fees in introductory and final rate period. All loan applications underwritten based on creditworthiness and other criteria. Parks Heritage FCU’s culminative unsecured loan and line of credit limit maximum is $20,000. All other loan terms and conditions apply. Membership is open to those who work in the health care and health care related fields in Warren, Washington and Saratoga counties, as well as their immediate family members. A $5 deposit into a Shared Savings Account is required for membership.