Bank · FDIC insured
United Community Bank Credit Card Rates
United Community Bank credit card rates start at 12.74% APR. Rates checked October 16, 2026.
How United Community Bank’s credit card rates compare
Compared with banks and credit unions near Baton Rouge, LA, where United Community Bank has the most branches. Ongoing purchase APR, lowest first.
This bank’s lowest
United Community Bank
– –
No ongoing APR published
Lowest rate
BRECO FCU
7.90%APR
2nd-lowest rate
DOCCU
8.90%APR
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.
Community Points
No Annual Fee. No Foreign Transaction Fees (excluding currency conversion).
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 0.00% | None | 0% Introductory APR for the first 7 billing cycles after account opening. |
| Ongoing | 15.74%–20.74% | None | Variable Purchase APR applies based on creditworthiness when account opened; varies with the market based on the Prime Rate as disclosed in Account Opening Disclosure. |
Sources (1)
- ucbanking.com/personal-banking/creditcards · captured Oct 16, 2026
Credit Builder
UCB deposit secured card. Choose credit limit up to $2,000 in $100 increments. No Annual Fee. No Foreign Transaction Fees (excluding currency conversion).
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 22.24% | None | Variable Purchase APR varies with the market based on the Prime Rate as disclosed in Account Opening Disclosure. $500 minimum to open account. Credit limit up to $2,000 in $100 increments. |
Sources (1)
- ucbanking.com/personal-banking/creditcards · captured Oct 16, 2026
Preferred
No Annual Fee. No Foreign Transaction Fees (excluding currency conversion).
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 0.00% | None | 0% Introductory APR for the first 11 billing cycles after account opening. |
| Ongoing | 12.74%–20.24% | None | Variable Purchase APR applies based on creditworthiness when account opened; varies with the market based on the Prime Rate as disclosed in Account Opening Disclosure. |
Sources (1)
- ucbanking.com/personal-banking/creditcards · 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.