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Credit Cards · Amherst, New York

Best Credit Union Credit Card Rates in Amherst, New York

4 credit unions in Amherst report credit card APRs to the NCUA. Rates range from 8.99% to 10.93%.

Updated Q1 2026 · NCUA Call Report data

4

CUs Reporting Rates

8.99%

Lowest Card APR

10.21%

City Average APR

Credit Card APRs — Amherst, New York

4 credit unions sorted by APR

#Credit UnionCard APRPersonal Loan APR
1SWEET HOME

★ 4.3 · 20 reviews

8.99%8.60%
2BOULEVARD

★ 4.1 · 23 reviews

10.00%8.90%
3WILLIAMSVILLE

★ 5.0 · 2 reviews

10.92%7.02%
4AMHERST

★ 4.7 · 78 reviews

10.93%11.43%
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 Amherst 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 Amherst credit unions require just a small savings deposit — often $5 — to open membership before applying for a card.

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