Bank · FDIC insured
F&M Bank Credit Card Rates
F&M Bank credit cards start at 13.99% APR on purchases, after any introductory rate. Rates checked October 15, 2026.
How F&M Bank’s credit card rates compare
Compared with banks and credit unions near Oklahoma City, OK, where F&M Bank has the most branches. Ongoing purchase APR, lowest first.
This bank’s lowest
F&M Bank
13.99%APR
- Up to
- —
Low Introductory Rate Card
Lowest rate
Oklahoma Federal Credit Union
7.00%APR
- Up to
- 11.00% APR
2nd-lowest rate
Farmers Insurance Federal Credit Union
8.99%APR
- Up to
- 18.00% APR
F&M Bank credit card score
63
Credit card score
Higher than 9% of U.S. banks and credit unions
- Purchase APRPurchase APR13.99%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where F&M Bank ranks
By credit card score, in each area where it has branches
Every rate
Current credit card rates
Rates from the bank’s website. Most are “as low as” rates for the best credit; yours depends on your credit.
Low Introductory Rate Card
Available to personal banking customers in the greater Oklahoma City area (Edmond, Yukon, Guthrie, Kingfisher, Piedmont, or Crescent, OK). Available in Mastercard or Visa. Subject to credit approval.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 6 months | 2.90% | None | Introductory rate for the first six months. 25-day interest-free grace period on all purchases; no grace period on cash advances. |
No ongoing APR is published for this card, only the rate above.
Sources (1)
- fmbankok.com/loans-credit/cred…rsonal-credit-cards.html · captured Oct 7, 2026
World Card / Preferred Points Rewards Card
Available to personal banking customers in the greater Oklahoma City area (Edmond, Yukon, Guthrie, Kingfisher, Piedmont, or Crescent, OK). World Card is only available in Mastercard; Preferred Points Rewards is available in Mastercard or Visa. Subject to credit approval.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 6 months | 2.90% | None | Introductory rate for the first six months. 25-day interest-free grace period on all purchases; no grace period on cash advances. |
No ongoing APR is published for this card, only the rate above.
Sources (1)
- fmbankok.com/loans-credit/cred…rsonal-credit-cards.html · captured Oct 7, 2026
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.