Bank · FDIC insured
Highlands Bank Credit Card Rates
Highlands Bank credit cards start at 12.24% APR on purchases, after any introductory rate. Rates checked October 22, 2026.
How Highlands Bank’s credit card rates compare
Compared with banks and credit unions near Cumberland, MD-WV, where Highlands Bank has the most branches. Ongoing purchase APR, lowest first.
This bank’s lowest
Highlands Bank
12.24%APR
- Up to
- 22.44% APR
Personal Credit Cards
Lowest rate
First Peoples Community Federal Credit Union
8.99%APR
- Up to
- —
2nd-lowest rate
Somerset Trust Company
10.99%APR
- Up to
- —
Highlands Bank credit card score
71
Credit card score
Higher than 29% of U.S. banks and credit unions
- Purchase APRPurchase APR12.24%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Highlands 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.
Personal Credit Cards
No annual fee. Variable APRs based on creditworthiness.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 12.24%–22.44% | None | Purchases; variable APR based on creditworthiness. |
| Intro, 6 months | 0.00% | None | Introductory APR on balance transfers for the first six billing cycles. 3% fee charged for each balance transferred, waived for balance transfers at account opening. |
| Ongoing | 14.24%–24.24% | None | Balance transfers after the introductory period; variable APR applies. 3% fee charged for each balance transferred, waived for balance transfers at account opening. |
Sources (1)
- highlands.bank/personal/loans-…rsonal-credit-cards.html · captured Oct 4, 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.