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Credit Cards · Buffalo, New York

Best Credit Union Credit Card Rates in Buffalo, New York

5 credit unions in Buffalo report credit card APRs to the NCUA. Rates range from 8.25% to 12.25%.

Updated Q1 2026 · NCUA Call Report data

5

CUs Reporting Rates

8.25%

Lowest Card APR

10.28%

City Average APR

Credit Card APRs — Buffalo, New York

5 credit unions sorted by APR

#Credit UnionCard APRPersonal Loan APR
1MORTON LANE

★ 4.0 · 13 reviews

8.25%11.50%
2KENMORE N. Y. TEACHERS

★ 4.3 · 12 reviews

9.50%8.47%
3TONAWANDA COMMUNITY

★ 4.0 · 26 reviews

10.50%8.84%
4BUFFALO METROPOLITAN

★ 3.3 · 112 reviews

10.91%11.17%
5ERIE COUNTY EMPLOYEES

★ 4.2 · 6 reviews

12.25%5.00%
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 Buffalo 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 Buffalo credit unions require just a small savings deposit — often $5 — to open membership before applying for a card.

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