Tired of losing money to high-interest credit cards? Break the cycle and save some money with our Visa Platinum Credit Card.
Start the new year off on the right foot. From January 1, 2026 through February 28, 2026, members can transfer credit card balances from other lenders onto our Visa Platinum Credit Card at a fixed transfer rate of 6.95% APR. New purchases are fixed at only 8.95% APR.
Not sure you'll qualify for our Platinum card or just don't want too high of a credit limit? Apply for our Visa Classic Credit Card instead and transfer balances at 9.90% APR, with new purchases fixed at 12.90% APR.
Transfer and pay off the balances from any credit card held elsewhere, including store cards and other major lenders with higher rates. Check your most recent credit card statement to see how much you’re currently paying in interest. Don’t let high interest and monthly minimums eat into your hard-earned savings.
These promotional rates apply to new and existing cardholders. Transfer balances or perform a cash advance at this discounted rate before this offer expires.
If you are viewing this page after the promotional period has ended, click here to view our current rates.
Current RatesBecome a member (and owner) by completing a brief membership form at the Amherst FCU office, 6470 Main Street, Suite 5, Amherst NY 14221. All you need is your photo ID & $6.00! Be sure to bring your most recent pay stubs to accompany your loan application.
*APR represents Annual Percentage Rate. Amherst FCU membership required to process application. All applications are subject to approval. Interest rates are based on loan term and credit qualifications. Promotion valid through February 28, 2026. Please call AFCU at 634-3881 for details.