Credit union · NCUA insured
Advantage Federal Credit Union Credit Card Rates
Advantage Federal Credit Union credit cards start at 13.95% APR on purchases, after any introductory rate. Rates checked October 16, 2026.
How Advantage Federal Credit Union’s credit card rates compare
Compared with banks and credit unions near Rochester, NY, where Advantage Federal Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Advantage Federal Credit Union
13.95%APR
- Annual fee
- $20
Advantage FCU Visa Classic
Lowest rate
Canandaigua FCU
7.99%APR
- Annual fee
- None
2nd-lowest rate
Gates Chili Federal Credit Union
8.99%APR
- Annual fee
- None
Advantage Federal Credit Union credit card score
63
Credit card score
Higher than 8% of U.S. banks and credit unions
- Purchase APRPurchase APR13.95%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Advantage Federal Credit Union ranks
By credit card score, in each area where it has branches
Every rate
Current credit card rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit.
Advantage FCU Visa Classic
Subject to credit approval and membership eligibility. Rates range from 11.95% APR to 18% APR (or 13.95% APR to 17.95% APR) depending on creditworthiness. Non-variable Annual Percentage Rate.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 13.95% | $20 | No annual fee for Tier A & B credit; $20 Annual Fee based on your creditworthiness.(Tier C & D only). Min. Payment of $10.00 or 2% of Balance. No balance transfer fee, no cash advance fee. |
Advantage FCU Visa Signature
Membership subject to eligibility and loan approval. Foreign transaction fee of 1.0%. APR is 16.00%. Certain restrictions, limitations and exclusions apply.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 16.00% | None | No annual fee! Min. Payment of $10.00 or 1.5% of Balance. No balance transfer fee, no cash advance fee. |
Who can join Advantage Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to individuals who live, work, worship, volunteer, or attend school in the City of Rochester (zip codes 14604–14616, 14619–14621, 14627, 14649, or 14652).
Employers and groups
- Membership is open to employees, retirees, and volunteers of Advantage Select Employer Groups.
Military, government and schools
- Membership is open to any public, private, or parochial school, university, or college in Monroe County not currently served by a credit union.
Family and household
- Membership is open to immediate family members and household members of individuals who are eligible for membership.
Cost to join
- Membership requires purchasing and maintaining one membership share with a par value of $5.00.
Membership information collected October 5, 2026.