Credit union · NCUA insured
Circuit Federal Credit Union Credit Card Rates
Top CarrotCircuit Federal Credit Union credit cards start at 8.99% APR on purchases, after any introductory rate. Rates checked October 16, 2026.
How Circuit Federal Credit Union’s credit card rates compare
Compared with banks and credit unions near Buffalo, NY, where Circuit Federal Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Circuit Federal Credit Union
8.99%APR
- Up to
- —
Credit Card Specials!
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
- —
Circuit Federal Credit Union credit card score
88
Credit card score
Higher than 82% of U.S. banks and credit unions
- Purchase APRPurchase APR8.99%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Circuit 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.
Credit Card Specials!
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 8.99% | None | — |
| Ongoing | 10.99% | None | For balance transfers |
Sources (3)
All captured Oct 6, 2026
Who can join Circuit 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This may be incomplete or out of date, so check with the credit union before you apply.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 anyone who lives, works, worships, or attends school in the Town of Cheektowaga.
- Membership is open to anyone who lives, works, worships, or attends school in Hamburg, Blasdell, Orchard Park, West Seneca, Depew, Lancaster, or Sloan.
Cost to join
- A minimum share of $25 is required in your account (along with being at least 16 years old) to vote at the annual membership meeting in accordance with bylaws.
Membership information collected October 5, 2026.