Credit Cards · Corning, New York

Best Credit Union Credit Card Rates in Corning, New York

2 credit unions in Corning report credit card APRs to the NCUA. Rates range from 12.61% to 13.47%.

Updated Q1 2026 · NCUA Call Report data

CUs Reporting Rates

12.61%

Lowest Card APR

13.04%

City Average APR

Credit Card APRs — Corning, New York

2 credit unions sorted by APR

#	Credit Union	Card APR	Personal Loan APR
1	FIRST HERITAGE ★ 4.0 · 27 reviews	12.61%	5.13%
2	CORNING ★ 4.1 · 88 reviews	13.47%	9.66%

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

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