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Credit Cards · Orchard Park, New York

Best Credit Union Credit Card Rates in Orchard Park, New York

2 credit unions in Orchard Park report credit card APRs to the NCUA. Rates range from 10.90% to 11.90%.

Updated Q1 2026 · NCUA Call Report data

2

CUs Reporting Rates

10.90%

Lowest Card APR

11.40%

City Average APR

Credit Card APRs — Orchard Park, New York

2 credit unions sorted by APR

#Credit UnionCard APRPersonal Loan APR
1LOCAL 41 I.B.E.W.

★ 5.0 · 5 reviews

10.90%8.85%
2GREAT ERIE

★ 4.6 · 64 reviews

11.90%8.90%
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 Orchard Park 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 Orchard Park credit unions require just a small savings deposit — often $5 — to open membership before applying for a card.

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