Credit Cards · Rochester, New York
8 credit unions in Rochester report credit card APRs to the NCUA. Rates range from 8.99% to 17.05%.
Updated Q1 2026 · NCUA Call Report data
8
CUs Reporting Rates
8.99%
Lowest Card APR
11.85%
City Average APR
8 credit unions sorted by APR
| # | Credit Union | Card APR | Personal Loan APR |
|---|---|---|---|
| 1 | EVER $ GREEN ★ 4.5 · 8 reviews | 8.99% | 9.25% |
| 2 | THE SUMMIT ★ 3.3 · 80 reviews | 9.86% | 16.95% |
| 3 | GATES CHILI ★ 3.6 · 12 reviews | 10.49% | 9.99% |
| 4 | ST. PIUS X CHURCH ★ 4.6 · 30 reviews | 10.54% | 8.25% |
| 5 | FAMILY FIRST OF NY ★ 4.3 · 79 reviews | 11.90% | 10.67% |
| 6 | ROCHESTER & MONROE CO EMP ★ 3.2 · 9 reviews | 11.99% | 9.86% |
| 7 | ADVANTAGE ★ 3.5 · 25 reviews | 13.95% | 13.82% |
| 8 | UKRAINIAN ★ 4.5 · 41 reviews | 17.05% | 11.33% |
On a $3,000 balance, a 10% APR vs. 20% APR saves $300/year in interest. A credit union card in Rochester could save you significantly more than any rewards program.
You must be a member to get a credit union credit card. Most Rochester credit unions require just a small savings deposit — often $5 — to open membership before applying for a card.
See member reviews, branch locations, and full rate details.