Compare Bank & Credit Union Rates
Best credit card rates, lowest APRs
Compare ongoing purchase APRs on credit cards from banks and credit unions, with annual fees, conditions and original sources.
Top credit card rates
Showing 16–28 of 28 in Erie County, NY · median 10.00% APR
- 10.20%APRas low as
Terms
Rates and limits are based on Credit Score. Non-variable rate.
Credit card score 81 · Carrot Score 78
Rate checked · Credit cards rates on its site
Rates and branches - 10.25%APRas low as · up to 18.00%
10.25% APR, up to 18.00%
Terms
APR determined upon account opening based on creditworthiness, then varies with market based on Prime Rate. Applies to purchases, balance transfers, and cash advances.
Credit card score 81 · Carrot Score 88
Rate checked · Credit cards rates on its site
Rates and branches - 10.90%APRas low as
Terms
Fixed APR on purchases; based on credit history and qualification. 25-day grace period on purchases. Credit line up to $10,000.
Credit card score 79 · Carrot Score 73
Rate checked · Credit cards rates on its site
Rates and branches - 11.74%APRas low as
Terms
Purchases. Variable rate based on creditworthiness.
Credit card score 75 · Carrot Score 87
Rate checked · Credit cards rates on its site
Rates and branches - CrossRoads Community Federal Credit UnionCrossRoads Community MasterCard · No annual fee
Credit union · 1 branch
11.90%APRas low asTerms
Fixed rate; no annual card fee; no balance transfer fees
Credit card score 73 · Carrot Score 80
Rate checked · Credit cards rates on its site
Rates and branches - 12.24%APRas low as · up to 17.99%
12.24% APR, up to 17.99%
Terms
Variable APR based on Prime Rate (7.00%) + margin (+5.24% to 14.49%); maximum APR 17.99%. APR varies based on creditworthiness.
Credit card score 71 · Carrot Score 73
Rate checked · Credit cards rates on its site
Rates and branches - 12.25%APRas low as
Terms
Variable APR currently as low as 12.25%. Maximum credit line $15,000. No balance transfer fee.
Credit card score 71 · Carrot Score 88
Rate checked · Credit cards rates on its site
Rates and branches - Ukrainian Federal Credit UnionUFCU Everyday Rewards Visa Card · No annual fee
Credit union · 2 branches
13.50%APRas low as · up to 18.00%13.50% APR, up to 18.00%
Terms
For purchases and balance transfers. Starting as low as Prime + 6.5%.
Credit card score 65 · Carrot Score 89
Rate checked · Credit cards rates on its site
Rates and branches - 13.74%APRas low as · up to 20.74%
13.74% APR, up to 20.74%
Terms
Variable APR (NOR version).
Credit card score 65 · Carrot Score 60
Rate checked · Credit cards rates on its site
Rates and branches - Town of Cheektowaga Federal Credit UnionVisa Platinum Credit Card · No annual fee
Credit union · 1 branch
14.99%APRas low asTerms
Rate is based on credit score.
Credit card score 62 · Carrot Score 94
Rate checked · Credit cards rates on its site
Rates and branches - 16.49%APRas low as
Terms
Variable purchase interest rate as low as 16.49% Annual Percentage Rate. Available for those that qualify for a credit line of up to $4,999.
Credit card score 61 · Carrot Score 71
Rate checked · Credit cards rates on its site
Rates and branches - 18.49%APRas low as · up to 27.99%
18.49% APR, up to 27.99%
Terms
Variable APR
Credit card score 60 · Carrot Score 60
Rate checked · Credit cards rates on its site
Rates and branches - 20.74%APRas low as · up to 27.74%
20.74% APR, up to 27.74%
Terms
Variable APR for purchases based on creditworthiness and the Prime Rate.
Credit card score 60 · Carrot Score 60
Rate checked · Credit cards rates on its site
Rates and branches
Each institution’s lowest ongoing purchase APR on a regular card (not an introductory or balance transfer rate): usually its best-credit rate. A rate that needs another account or similar says “with conditions”; More filters can leave those, or cards with an annual fee, out. Secured, business and credit-builder cards are left out. Carrot Score rates each institution on all its CD, savings, auto loan and credit card rates. How we rank
What credit cards charge in Erie County, NY
28 banks and credit unions · checked Oct 16
- Typical
- 10.00%
- Top 10% up to
- 8.42%
- Banks, typical
- 17.49%
- Credit unions, typical
- 9.74%
How does your bank’s rate compare?
Find your bank or credit union to see all its rates and how they compare near you.
Buffalo, NY metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Ontario Shores FCUCredit union · 4 branches
- SJP Federal Credit UnionCredit union · 1 branch
- Niagara's ChoiceCredit union · 5 branches