Bank · FDIC insured
GNB Bank Credit Card Rates
GNB Bank credit cards start at 14.99% APR on purchases, after any introductory rate. Rates checked October 16, 2026.
How GNB Bank’s credit card rates compare
Compared with banks and credit unions near Waterloo, IA, where GNB Bank has the most branches. Ongoing purchase APR, lowest first.
This bank’s lowest
GNB Bank
14.99%APR
- Up to
- —
Visa® Cash Back Rewards
Lowest rate
CFCCU
9.00%APR
- Up to
- —
2nd-lowest rate
Empeople Credit Union
11.90%APR
- Up to
- 18.24% APR
GNB Bank credit card score
62
Credit card score
Higher than 6% of U.S. banks and credit unions
- Purchase APRPurchase APR14.99%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where GNB 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.
Visa® Cash Back Rewards
Variable APR for purchases and balance transfers calculated as the Prime Rate plus a margin of 7.99%. Cash advance APR is a fixed 15.00%. Requires credit application with recent pay stub and driver's license. Accurate as of February 1, 2026.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 14.74% | None | Variable APR for purchases based on the Prime Rate plus 7.99% margin. Due date is at least 25 days after the close of each billing cycle with no interest charged on retail purchases if paid in full. |
| Ongoing | 15.00% | None | APR for cash advances. Transaction fee is either 3% of the amount or $10 minimum, whichever is greater. Interest begins charging on the transaction date. |
Sources (2)
- gnbbank.com/personal/other-services/credit-cards
- gnbbank.com/uploads/userfiles/…d%20App%20Jan%202026.pdf
All captured Oct 16, 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.