Rewards, Simplicity,
and Trust.

Take control of your spending. Enjoy competitive rates, no annual fees, and the personal service you deserve.

A Credit Card That Works for You, Not Against You

Tired of confusing fees and sky-high interest rates? At Sweet Home FCU, our credit card program is designed with our members in mind. We believe in providing a straightforward, affordable credit solution that helps you manage your finances responsibly, without hidden surprises.

Low, Non-Variable Rates

Our cards feature a single, competitive interest rate that won’t suddenly jump up on you. Predictable payments mean peace of mind.

No Annual Fee

Keep more of your hard-earned money in your pocket. That’s the Sweet Home FCU difference.

Generous Limits

Get the purchasing power you need, with limits up to $15,000 for qualified members.

Balance Transfer Friendly

Transfer high-interest balances, with no balance transfer fee, from other cards and start saving immediately. We make the process simple.

Convenient Online Access

Manage your account 24/7 with convenient website access. Check balances, view transactions, and make payments with ease.

Fraud Protection

Shop with confidence knowing your Sweet Home FCU card is protected against unauthorized use.

Current Credit Card Rate

Sweet Home FCU offers one credit card option with no annual fee.

Annual Fee
$0
Intro APR
5.95%APR for the first six billing cycles
Standard APR
Starting at 8.99%APR (Based on creditworthiness)
Cash Advance Fee
$25
Late Payment Fee
$25

All rates and terms are subject to change. Rates are based on your creditworthiness. See full Credit Card Disclosure for complete details.

FAQs About Our Credit Card

How do I apply?

Applying is easy! Visit us in person at 1960 Sweet Home Rd., Amherst, NY 14228.

Can I transfer a balance?

Yes! Our card is perfect for consolidating high-interest debt from other cards.

How can I manage my account online?

Your Sweet Home FCU credit card is accessible through a convenient website with full access to all account management tools.

What if my card is lost or stolen?

Contact us immediately at (800) 543-5073.

Ready for a Smarter Credit Card?​

Experience the difference of a credit card designed for you, by your community. Sweet Home FCU is here to help you build good credit and manage your finances responsibly.

Third Party Links Disclosure

Our site contains hyperlinks to other web sites operated by third parties. These links will take you away from our site. Please note that we do not guarantee the accuracy or completeness of any information presented on these sites nor do we represent either the third party or our member if the two enter into a transaction. The third party’s privacy and security policies may differ from those practiced by the credit union. We encourage our members to know when they leave our site and to read the privacy statements of each and every web site that collects personally identifiable information. Our Privacy Statement applies solely to information collected by our web site.

Third Party Links Disclosure

Our site contains hyperlinks to other web sites operated by third parties. These links will take you away from our site. Please note that we do not guarantee the accuracy or completeness of any information presented on these sites nor do we represent either the third party or our member if the two enter into a transaction. The third party’s privacy and security policies may differ from those practiced by the credit union. We encourage our members to know when they leave our site and to read the privacy statements of each and every web site that collects personally identifiable information. Our Privacy Statement applies solely to information collected by our web site.

Third Party Links Disclosure

Our site contains hyperlinks to other web sites operated by third parties. These links will take you away from our site. Please note that we do not guarantee the accuracy or completeness of any information presented on these sites nor do we represent either the third party or our member if the two enter into a transaction. The third party’s privacy and security policies may differ from those practiced by the credit union. We encourage our members to know when they leave our site and to read the privacy statements of each and every web site that collects personally identifiable information. Our Privacy Statement applies solely to information collected by our web site.