Credit union · NCUA insured
ONE Credit Union Credit Card Rates
Top CarrotONE Credit Union credit cards start at 12.25% APR on purchases, after any introductory rate. Rates checked October 16, 2026.
How ONE Credit Union’s credit card rates compare
Compared with banks and credit unions near Buffalo, NY, where ONE Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
ONE Credit Union
12.25%APR
- Up to
- —
Savers 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
- —
ONE Credit Union credit card score
71
Credit card score
Higher than 28% of U.S. banks and credit unions
- Purchase APRPurchase APR12.25%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where ONE 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.
Credit Builder Card
With a focus on building credit history, offered with credit lines starting as low as $500, maximum credit line $5,000. Also offered as a Secured Credit Card backed by funds deposited in a primary ONE Credit Union savings account. No balance transfer fee.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 20.50% | None | APR as low as 20.50%. Credit lines starting as low as $500, maximum credit line $5,000. No balance transfer fee. |
Sources (2)
All captured Oct 7, 2026
Rewards Card
Earn points with every purchase. Redeem for gifts, travel, gift cards and cash back. Also offered as a Secured Credit Card backed by funds deposited in a primary ONE Credit Union savings account. Maximum credit line $15,000. No balance transfer fee.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 14.75% | None | Variable APR currently as low as 14.75%. Maximum credit line $15,000. No balance transfer fee. |
Sources (2)
All captured Oct 7, 2026
Savers Card
In lieu of rewards, a lower interest rate is offered. Also offered as a Secured Credit Card backed by funds deposited in a primary ONE Credit Union savings account. Maximum credit line $15,000. No balance transfer fee.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 12.25% | None | Variable APR currently as low as 12.25%. Maximum credit line $15,000. No balance transfer fee. |
Sources (2)
All captured Oct 7, 2026
Who can join ONE Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to any person who either lives, works, worships, or goes to school in Erie County, New York.
Membership information collected October 5, 2026.