Credit union · NCUA insured
Ontario Shores FCU Credit Card Rates
Top CarrotOntario Shores FCU credit cards start at 9.90% APR on purchases, after any introductory rate. Rates checked October 16, 2026.
How Ontario Shores FCU’s credit card rates compare
Compared with banks and credit unions near Buffalo, NY, where Ontario Shores FCU has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Ontario Shores FCU
9.90%APR
- Up to
- —
Visa Credit Card Platinum
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
- —
Ontario Shores FCU 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 Ontario Shores FCU 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 Card Classic
Rates and loan terms are determined based on applicant's past credit history will vary based on credit score. Financing available to qualified borrowers. Terms and conditions subject to credit union approval. Rates do not apply to refinance of an existing loan with Ontario Shores FCU. Rates subject to change without notice. Membership subject to eligibility. Rates reflect all relationship discounts. Other terms available.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 11.90% | None | APR as low as stated. Maximum Term / limit: $4,999 limit. No balance transfer fees, no cash advance fees, low fixed rate options, no annual fees. Rates reflect all relationship discounts. |
Visa Credit Card Platinum
Rates and loan terms are determined based on applicant's past credit history will vary based on credit score. Financing available to qualified borrowers. Terms and conditions subject to credit union approval. Rates do not apply to refinance of an existing loan with Ontario Shores FCU. Rates subject to change without notice. Membership subject to eligibility. Rates reflect all relationship discounts. Other terms available.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 9.90% | None | APR as low as stated. Maximum Term / limit: $5,000 minimum. No balance transfer fees, no cash advance fees, low fixed rate options, no annual fees. Rates reflect all relationship discounts. |
Who can join Ontario Shores FCU
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Eligible to join if you live, work, worship, volunteer, or attend school in Niagara, Orleans, Genesee, Wyoming, Cattaraugus, Allegany, or Steuben counties in Western New York.
Membership information collected October 5, 2026.