Credit Cards · Cheektowaga, New York
7 credit unions in Cheektowaga report credit card APRs to the NCUA. Rates range from 8.49% to 11.90%.
Updated Q1 2026 · NCUA Call Report data
7
CUs Reporting Rates
8.49%
Lowest Card APR
9.95%
City Average APR
7 credit unions sorted by APR
| # | Credit Union | Card APR | Personal Loan APR |
|---|---|---|---|
| 1 | EMPIRE ONE ★ 2.3 · 25 reviews | 8.49% | 10.99% |
| 2 | BUFFALO CONRAIL ★ 3.9 · 18 reviews | 8.50% | 4.50% |
| 3 | CIRCUIT ★ 4.7 · 11 reviews | 8.99% | 9.65% |
| 4 | ONE CREDIT UNION OF NY ★ 3.9 · 12 reviews | 10.00% | 8.74% |
| 5 | FINANCIAL TRUST ★ 4.0 · 27 reviews | 10.90% | 7.23% |
| 6 | TOWN OF CHEEKTOWAGA ★ 4.8 · 6 reviews | 10.90% | 12.89% |
| 7 | CROSSROADS COMMUNITY ★ 4.0 · 25 reviews | 11.90% | 10.76% |
On a $3,000 balance, a 10% APR vs. 20% APR saves $300/year in interest. A credit union card in Cheektowaga could save you significantly more than any rewards program.
You must be a member to get a credit union credit card. Most Cheektowaga credit unions require just a small savings deposit — often $5 — to open membership before applying for a card.
See member reviews, branch locations, and full rate details.