Credit union · NCUA insured
Amherst Federal Credit Union Credit Card Rates
Amherst Federal Credit Union credit cards start at 8.95% APR on purchases, after any introductory rate. Rates checked October 16, 2026.
How Amherst Federal Credit Union’s credit card rates compare
Compared with banks and credit unions near Buffalo, NY, where Amherst Federal Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Amherst Federal Credit Union
8.95%APR
- Up to
- —
Visa Platinum Credit Card
Lowest rate
BufMet Credit Union
7.50%APR
- Up to
- 18.00% APR
2nd-lowest rate
Gowanda Area Federal Credit Union
7.99%APR
- Up to
- —
Amherst Federal Credit Union credit card score
89
Credit card score
Higher than 86% of U.S. banks and credit unions
- Purchase APRPurchase APR8.95%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Amherst 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.
Visa Platinum Credit Card
Amherst FCU membership required. Minimum payment is 3% of balance due. Credit line ranges from $1,000.00 to $15,000.00 subject to credit approval. No application fee. No annual fee.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 8.95% | None | Standard fixed APR for open-ended line of credit for purchases. |
| Ongoing | 6.95% | None | Promotional rate for balance transfers from credit cards with other lenders from September 1, 2026 through September 30, 2026. Fixed APR through September 30, 2026. No transfer fees. |
| Ongoing | 6.95% | None | Promotional rate for cash advances during promotion from September 1, 2026 through September 30, 2026. Fixed APR through September 30, 2026. |
Sources (3)
All captured Oct 5, 2026
Who can join Amherst 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This may be incomplete or out of date, so check with the credit union before you apply.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
- Open to businesses and other legal entities located in the Towns of Amherst, Cheektowaga, West Seneca or the Village of Depew in Erie County, New York.
- Open to persons who live, work, worship, or attend school in the Towns of Amherst, Cheektowaga, West Seneca or the Village of Depew in Erie County, New York.
Employers and groups
- Open to employees of this credit union.
- Open to organizations of eligible persons.
Family and household
- Open to members of the immediate family or household of eligible persons.
- Open to spouses of persons who died while within the field of membership of this credit union.
1 more way to join
Other ways
- Open to volunteers in the community.
Membership information collected October 5, 2026.