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Credit Cards · Niagara Falls, New York

Best Credit Union Credit Card Rates in Niagara Falls, New York

3 credit unions in Niagara Falls report credit card APRs to the NCUA. Rates range from 8.90% to 13.90%.

Updated Q1 2026 · NCUA Call Report data

3

CUs Reporting Rates

8.90%

Lowest Card APR

10.57%

City Average APR

Credit Card APRs — Niagara Falls, New York

3 credit unions sorted by APR

#Credit UnionCard APRPersonal Loan APR
1GREATER NIAGARA

★ 4.2 · 52 reviews

8.90%13.33%
2NIAGARA'S CHOICE

★ 3.3 · 49 reviews

8.90%10.80%
3ENCOMPASS NIAGARA

★ 3.1 · 16 reviews

13.90%16.75%
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 Niagara Falls 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 Niagara Falls credit unions require just a small savings deposit — often $5 — to open membership before applying for a card.

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