Credit union · NCUA insured
Niagara's Choice Credit Card Rates
Top CarrotNiagara's Choice credit cards start at 8.90% APR on purchases, after any introductory rate. Rates checked October 16, 2026.
How Niagara's Choice’s credit card rates compare
Compared with banks and credit unions near Buffalo, NY, where Niagara's Choice has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Niagara's Choice
8.90%APR
- Up to
- —
MasterCard Credit Card
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
- —
Niagara's Choice credit card score
89
Credit card score
Higher than 87% of U.S. banks and credit unions
- Purchase APRPurchase APR8.90%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Niagara's Choice 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.
MasterCard Credit Card
Niagara's Choice FCU membership is required to process loan applications. Application subject approval.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 8.90% | None | Non-variable interest rate. No fee balance transfers. Rates displayed are the lowest rates offered; actual APR determined by credit score. |
Who can join Niagara's Choice
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who live, work, worship, attend school, or volunteer in Niagara or Erie County are eligible for membership.
Cost to join
- An optional checking account deposit of $1.00 is available upon joining.
- An initial deposit of $5.00 in a savings account establishes membership.
Membership information collected October 5, 2026.