Bank · FDIC insured
The FNB Community Bank Credit Card Rates
The FNB Community Bank credit cards start at 12.74% APR on purchases, after any introductory rate. Rates checked October 16, 2026.
How The FNB Community Bank’s credit card rates compare
Compared with banks and credit unions near St. Louis, MO-IL, where The FNB Community Bank has the most branches. Ongoing purchase APR, lowest first.
This bank’s lowest
The FNB Community Bank
12.74%APR
- Up to
- 22.74% APR
Platinum
Lowest rate
FRB Federal Credit Union
7.50%APR
- Up to
- —
2nd-lowest rate
First Community Credit Union
7.90%APR
- Up to
- 16.90% APR
The FNB Community Bank credit card score
69
Credit card score
Higher than 24% of U.S. banks and credit unions
- Purchase APRPurchase APR12.74%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where The FNB Community 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.
Cash Rewards Platinum
Subject to credit approval. This card is issued by TCM Bank, N.A. 1 To access rewards your account must be open and in good standing.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 12 months | 0.00% | None | 0% introductory APR for purchases for the first 12 billing cycles after account opening. If you make a late payment or make a payment that is returned unpaid during the introductory period we may end your introductory APR and apply the standard purchase and balance transfer APR. |
| Ongoing | 12.99%–22.99% | None | Competitive variable APR from 12.99% to 22.99% after the first 12 billing cycles, determined by adding a margin to the highest U.S. Prime Rate published in the Wall Street Journal (based on a 3.25% Prime Rate). |
Sources (1)
- thefnb.com/personal/consumer-c…sumer-cards/credit-cards · captured Oct 7, 2026
Platinum
Subject to credit approval. This card is issued by TCM Bank, N.A.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 12 months | 0.00% | None | 0% introductory APR for purchases for the first 12 billing cycles after account opening. If you make a late payment or make a payment that is returned unpaid during the introductory period we may end your introductory APR and apply the standard purchase and balance transfer APR. |
| Ongoing | 8.99%–18.99% | None | Competitive variable APR from 8.99% to 18.99% after the first 12 billing cycles, determined by adding a margin to the highest U.S. Prime Rate published in the Wall Street Journal (based on a 3.25% Prime Rate). |
Sources (1)
- thefnb.com/personal/consumer-c…sumer-cards/credit-cards · captured Oct 7, 2026
Rewards Platinum
Subject to credit approval. This card is issued by TCM Bank, N.A. 1 To access rewards your account must be open and in good standing.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 12 months | 0.00% | None | 0% introductory APR for purchases for the first 12 billing cycles after account opening. If you make a late payment or make a payment that is returned unpaid during the introductory period we may end your introductory APR and apply the standard purchase and balance transfer APR. |
| Ongoing | 9.99%–19.99% | None | Competitive variable APR from 9.99% to 19.99% after the first 12 billing cycles, determined by adding a margin to the highest U.S. Prime Rate published in the Wall Street Journal (based on a 3.25% Prime Rate). |
Sources (1)
- thefnb.com/personal/consumer-c…sumer-cards/credit-cards · captured Oct 7, 2026
Signature
Subject to credit approval. This card is issued by TCM Bank, N.A. 1 To access rewards your account must be open and in good standing.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 12 months | 0.00% | None | 0% introductory APR for purchases for the first 12 billing cycles after account opening. If you make a late payment or make a payment that is returned unpaid during the introductory period we may end your introductory APR and apply the standard purchase and balance transfer APR. |
| Ongoing | 12.99%–18.99% | None | Competitive variable APR from 12.99% - 18.99% after the first 12 billing cycles, determined by adding a margin to the highest U.S. Prime Rate published in the Wall Street Journal (based on a 3.25% Prime Rate). |
Sources (1)
- thefnb.com/personal/consumer-c…sumer-cards/credit-cards · 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.