Credit union · NCUA insured
EmpireONE Federal Credit Union Credit Card Rates
EmpireONE Federal Credit Union credit card rates start at 6.99% APR. Rates checked October 16, 2026.
How EmpireONE Federal Credit Union’s credit card rates compare
Compared with banks and credit unions near Buffalo, NY, where EmpireONE Federal Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
EmpireONE Federal Credit Union
– –
- Up to
- —
No ongoing APR published
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
- —
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® Credit Card
Non-variable interest rates. No foreign currency conversion fee. 25-day interest free grace period.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 6.99% | None | Rate applies to lifetime of the balance transfer. No balance transfer fees. |
Who can join EmpireONE 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This may be incomplete or out of date, so check with the credit union before you apply.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 go to school in Erie County, New York, and can prove US citizenship, are eligible for membership.
Family and household
- Immediate family members and others living in the household of an existing Empire ONE Federal Credit Union member are eligible to join.
Membership information collected October 5, 2026.