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Credit union · NCUA insured

Gowanda Area Federal Credit Union Credit Card Rates

Gowanda Area Federal Credit Union credit cards start at 7.99% APR on purchases, after any introductory rate. Rates checked October 16, 2026.

How Gowanda Area Federal Credit Union’s credit card rates compare

Compared with banks and credit unions near Buffalo, NY, where Gowanda Area Federal Credit Union has the most branches. Ongoing purchase APR, lowest first.

  • This credit union’s lowest

    Gowanda Area Federal Credit Union

    7.99%APR

    Up to
    —

    VISA Classic Credit Card

  • Top Carrot, Carrot Score 91

    Lowest rate

    BufMet Credit Union

    7.50%APR

    Up to
    18.00% APR

    BufMet Credit Union rates

  • 3rd-lowest rate

    Morton Lane Federal Credit Union

    8.25%APR

    Up to
    —

    Morton Lane Federal Credit Union rates

Compare credit card rates near you →

Gowanda Area Federal Credit Union credit card score

93

Credit card score

Higher than 94% of U.S. banks and credit unions

By rate
  • Purchase APRPurchase APR7.99%

Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.

How the score works →

Where Gowanda Area 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.

Who can join Gowanda Area Federal Credit Union

This may be incomplete or out of date, so check with the credit union before you apply.

Employers and groups

  • Employees of the credit union are eligible for membership.
  • Members of Friends of the Collins Public Library are eligible for credit union membership.
  • Employees who work for Gowanda Electronics in Gowanda, NY are eligible for membership.
  • Employees who work for Har-Son Mfg. in Gowanda, NY are eligible for membership.
  • Employees who work at Iroquois Smoke Shop in Collins, NY are eligible for membership.
  • Employees who work for TLC Health Network in Gowanda, NY are eligible for membership.
16 more ways to join

Employers and groups

  • Employees who work at OJIBWAS/SENECAS Trading Post in Irving, NY are eligible for membership.
  • Employees who work for Trusty Step of Western NY, Inc., dba Magic Glass Repair in Forestville, NY are eligible for membership.

Military, government and schools

  • Employees who work at Collins Correctional Facility in Collins, NY are eligible for membership.
  • Employees who work at Gowanda Correctional Facility in Collins, NY are eligible for membership.
  • Those who work for or are paid from Gowanda Central School District in Gowanda, NY are eligible for membership.
  • Employees of the State of NY, Office of General Services working out of Collins Correctional Facility in Collins, NY are eligible for membership.
  • NYS Police headquartered in Collins, NY are eligible for membership.
  • Those who work for or are paid from Seneca Nation of Indians in Salamanca or Irving, NY are eligible for membership.
  • Employees who work for the Town of Collins in Collins, NY are eligible for membership.
  • Employees who work for the Town of Perrysburg in Perrysburg, NY are eligible for membership.
  • Employees of the Village of Gowanda, NY are eligible for membership.
  • Employees of Western New York Developmental Disabilities Services Office working in designated NY counties/locations are eligible for membership.

Family and household

  • Immediate family members (grandparents, parents, siblings and their spouses, spouses, children, step-children, and grandchildren) of primary members are eligible.
  • Household persons living in the same residence and maintaining a permanent single economic unit are eligible for membership.
  • Spouses of persons who died while within the field of membership are eligible.

Other ways

  • Retirees/pensioners/annuitants from qualifying employments, members of their immediate family/household, organizations of such persons, and corporate or other legal entities named in the charter are eligible.

Membership information collected October 5, 2026.

Check membership requirements ↗Branches and institution details
← Gowanda Area Federal Credit Union overview