Credit union · NCUA insured
Finger Lakes Health Care Federal Credit Union Credit Card Rates
Finger Lakes Health Care Federal Credit Union credit cards start at 9.90% APR on purchases, after any introductory rate. Rates checked October 16, 2026.
How Finger Lakes Health Care Federal Credit Union’s credit card rates compare
Compared with banks and credit unions near Elmira, NY, where Finger Lakes Health Care Federal Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Finger Lakes Health Care Federal Credit Union
9.90%APR
- Up to
- —
Visa Credit Cards
2nd-lowest rate
First Heritage Federal Credit Union
11.50%APR
- Up to
- —
3rd-lowest rate
Empower Federal Credit Union
12.24%APR
- Up to
- 17.99% APR
Finger Lakes Health Care Federal Credit Union credit card score
84
Credit card score
Higher than 65% of U.S. banks and credit unions
- Purchase APRPurchase APR9.90%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Finger Lakes Health Care 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 Credit Cards
No annual fee. Available for new and existing FLHC FCU credit cardholders.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 9.90% | None | Credit tier A+ (credit score 760 and above). |
| Ongoing | 10.90% | None | Credit tier A (credit score 701-759). |
| Ongoing | 12.90% | None | Credit tier B (credit score 641-700). |
| Ongoing | 14.90% | None | Credit tier C (credit score 600-640). |
| Ongoing | 16.90% | None | Credit tier D (credit score 500-599). |
Sources (2)
All captured Sep 17, 2026
Who can join Finger Lakes Health Care Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Health care employees in the Elmira-Watkins Glen area are eligible for membership.
Family and household
- Families of health care employees in the Elmira-Watkins Glen area are eligible for membership.
Membership information collected October 5, 2026.