Bank · FDIC insured
Oconee State Bank Credit Card Rates
Oconee State Bank credit card rates start at 11.25% APR. Rates checked October 15, 2026.
How Oconee State Bank’s credit card rates compare
Compared with banks and credit unions in Georgia, where Oconee State Bank has the most branches. Ongoing purchase APR, lowest first.
This bank’s lowest
Oconee State Bank
– –
- Up to
- —
No ongoing APR published
Lowest rate
Lanier Federal Credit Union
7.90%APR
- Up to
- 14.90% APR
2nd-lowest rate
MyGeorgia Credit Union
7.90%APR
- Up to
- —
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.
Cash Back Platinum Visa® Card
1% Cash back on all qualifying purchases – no spending tiers or minimums.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 11.25% | $35 | 11.25% APR* based on Prime Rate |
Sources (1)
- oconeestatebank.com/cards/personal-credit-cards · captured Oct 15, 2026
Personal VISA® Credit Cards
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 7 months | 0.00% | None | 0% Introductory APR for the First Seven Billing Cycles |
No ongoing APR is published for this card, only the rate above.
Sources (1)
- oconeestatebank.com/cards/personal-credit-cards · captured Oct 15, 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.