Credit union · NCUA insured
Alternatives Federal Credit Union Credit Card Rates
Alternatives Federal Credit Union credit cards start at 10.99% APR on purchases, after any introductory rate. Rates checked October 16, 2026.
How Alternatives Federal Credit Union’s credit card rates compare
Compared with banks and credit unions near Rochester, NY, where Alternatives Federal Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Alternatives Federal Credit Union
10.99%APR
Alternatives VISA Credit Card
Lowest rate
Canandaigua FCU
7.99%APR
2nd-lowest rate
Gates Chili Federal Credit Union
8.99%APR
Alternatives Federal Credit Union credit card score
77
Credit card score
Higher than 44% of U.S. banks and credit unions
- Purchase APRPurchase APR10.99%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Alternatives 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.
Alternatives VISA Credit Card
Subject to credit approval. If you have insufficient credit history for a credit score, you will be assigned the rate for credit scores 600-639.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 10.99% | None | Credit Bureau Score 740+ |
| Ongoing | 12.99% | None | Credit Bureau Score 680-739 |
| Ongoing | 14.99% | None | Credit Bureau Score 640-679 |
| Ongoing | 16.99% | None | Credit Bureau Score 600-639. Applicants with insufficient credit history for a credit score are assigned this rate. |
| Ongoing | 17.99% | None | Credit Bureau Score 599 or less |
Sources (2)
All captured Oct 7, 2026
Who can join Alternatives Federal Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.