Credit union · NCUA insured
Affinity One Federal Credit Union Credit Card Rates
Affinity One Federal Credit Union credit cards start at 9.99% APR on purchases, after any introductory rate. Rates checked October 16, 2026.
How Affinity One Federal Credit Union’s credit card rates compare
Compared with banks and credit unions near Jamestown, NY, where Affinity One Federal Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Affinity One Federal Credit Union
9.99%APR
Low Rate Visa Credit Card
Lowest rate
Greater Woodlawn FCU
8.99%APR
3rd-lowest rate
Western Division Federal Credit Union
9.99%APR
Affinity One Federal Credit Union credit card score
82
Credit card score
Higher than 58% of U.S. banks and credit unions
- Purchase APRPurchase APR9.99%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Affinity One 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.
Low Rate Visa Credit Card
Rate available to members. Rate is offered to the most credit-worthy borrowers; actual rate may vary based on creditworthiness.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 9.99% | None | Rate is offered to the most credit-worthy borrowers. Actual rate may vary based on creditworthiness. No teaser rate. No annual fee, no cash advance fee, no balance transfer fee. |
Sources (1)
- affinityonefcu.org/credit-cards · captured Oct 7, 2026
Who can join Affinity One 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This may be incomplete or out of date, so check with the credit union before you apply.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
- Persons who live, work, worship, or attend school in the credit union's service area (Jamestown, Busti, Carrol, Ellicott, Ellington, Gerry, Harmony, Kiantone, North Harmony, Poland) are eligible for membership.
Employers and groups
- Businesses and other legal entities located in the credit union's service area (Jamestown, Busti, Carrol, Ellicott, Ellington, Gerry, Harmony, Kiantone, North Harmony, Poland) are eligible for membership.
Family and household
- Immediate family members (defined as husband, wife, mother, father, brother, sister, child, stepchild, grandchild, and grandparent) of someone from a qualifying group are eligible for membership.
Cost to join
- Opening a membership or account requires a $25 minimum opening deposit.
Membership information collected October 5, 2026.