Bank · FDIC insured
Independence Bank Credit Card Rates
Independence Bank credit cards start at 12.48% APR on purchases, after any introductory rate. Rates checked October 22, 2026.
How Independence Bank’s credit card rates compare
Compared with banks and credit unions near Great Falls, MT, where Independence Bank has the most branches. Ongoing purchase APR, lowest first.
This bank’s lowest
Independence Bank
12.48%APR
- Up to
- —
Independence Freedom
Lowest rate
Clearwater Credit Union
11.00%APR
- Up to
- 18.00% APR
2nd-lowest rate
Montana Credit Union
11.90%APR
- Up to
- —
Independence Bank credit card score
71
Credit card score
Higher than 28% of U.S. banks and credit unions
- Purchase APRPurchase APR12.48%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Independence 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.
Independence Freedom
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 12.48% | None | — |
| Ongoing | 24.98% | None | — |
Sources (1)
- ibyourbank.com/Visa-Credit-Card · captured Oct 22, 2026
Independence Premium
Annual fee may be waived if spending exceeds $15,000 in the previous 12 months.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 16.48% | $100 | Annual fee may be waived if spending exceeds $15,000 in the previous 12 months. |
| Ongoing | 24.98% | $100 | Annual fee may be waived if spending exceeds $15,000 in the previous 12 months. |
Sources (1)
- ibyourbank.com/Visa-Credit-Card · captured Oct 22, 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.