Credit union · NCUA insured
Encompass Niagara Federal Credit Union Credit Card Rates
Encompass Niagara Federal Credit Union doesn’t publish an ongoing APR for its credit cards, only introductory rates. Rates checked September 26, 2026.
How Encompass Niagara Federal Credit Union’s credit card rates compare
Compared with banks and credit unions near Buffalo, NY, where Encompass Niagara Federal Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Encompass Niagara 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 Cards
Offer available from July 1, 2026 – September 30, 2026.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 9 months | 5.90% | None | Balance transfer special — 9 months. Offer available from July 1, 2026 – September 30, 2026. |
| Intro, 6 months | 5.90% | None | New account special — 6 months. Offer available from July 1, 2026 – September 30, 2026. |
No ongoing APR is published for this card, only the rate above.
Sources (1)
- encompassniagara.com · captured Sep 17, 2026
Who can join Encompass Niagara Federal Credit Union
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