Credit union · NCUA insured
WNY Federal Credit Union Credit Card Rates
WNY Federal Credit Union credit cards start at 10.20% APR on purchases, after any introductory rate. Rates checked October 16, 2026.
How WNY Federal Credit Union’s credit card rates compare
Compared with banks and credit unions near Buffalo, NY, where WNY Federal Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
WNY Federal Credit Union
10.20%APR
- Up to
- —
Visa Reward 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
- —
WNY Federal Credit Union credit card score
81
Credit card score
Higher than 56% of U.S. banks and credit unions
- Purchase APRPurchase APR10.20%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where WNY 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 Reward Credit Card
Rates and limits are based on Credit Score. Up to $15,000 Limit. Non-variable rate, no annual fee.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 10.20% | None | Rates and limits are based on Credit Score. Non-variable rate. |
| Ongoing | 7.99% | None | Special Promotional Balance Transfer Rate. No balance transfer fee. The promotional rate remains fixed until the transferred balance is fully paid off. |
Who can join WNY Federal 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This may be incomplete or out of date, so check with the credit union before you apply.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 anyone who lives, works, worships, or attends school in, and businesses and other legal entities located in, Erie County, New York.
Cost to join
- Establishes membership with a $25 opening deposit in a Classic Savings account.
Membership information collected October 5, 2026.