Bank · FDIC insured
West Texas National Bank Credit Card Rates
West Texas National Bank credit cards start at 13.99% APR on purchases, after any introductory rate. Rates checked October 23, 2026.
How West Texas National Bank’s credit card rates compare
Compared with banks and credit unions near Midland, TX, where West Texas National Bank has the most branches. Ongoing purchase APR, lowest first.
This bank’s lowest
West Texas National Bank
13.99%APR
Low Rate Card
Lowest rate
Complex Community Federal Credit Union
6.90%APR
2nd-lowest rate
First Basin Credit Union
9.90%APR
West Texas National Bank credit card score
63
Credit card score
Higher than 10% of U.S. banks and credit unions
- Purchase APRPurchase APR13.99%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where West Texas National 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.
Low Rate Card
Available through TIB, National Association. Available as Mastercard or Visa. If at least one box at the top of the application is not checked, or if too many boxes are inadvertently checked, you will be deemed to have selected the Low Rate Card. Includes rental car insurance and 24/7 toll-free support.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 6 months | 2.90% | None | Introductory APR for six months for purchases, balance transfers, and cash advances. Balance transfer and cash advance fee: either $10 or 3% of the amount of each balance transfer or cash advance, whichever is greater. |
| Ongoing | 13.74% | None | Ongoing APR varies with the market based on the Prime Rate (Prime + 6.99%). Stated APR is 13.74% based on Prime Rate of 6.75% as of December 24, 2025. Applies to purchases, balance transfers, and cash advances. Account will never have an APR over 21%. Balance transfer and cash advance fee: either $10 or 3% of the amount, whichever is greater. |
Sources (2)
All captured Oct 23, 2026
World Card and Preferred Points Card
Available through TIB, National Association. If you do not qualify for a World Card and you qualify for a Preferred Points Card, you will automatically be offered a Preferred Points Card. Available as Mastercard or Visa. Earn one point for each dollar spent, up to 10,000 points per month.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 6 months | 2.90% | None | Introductory APR for six months for purchases, balance transfers, and cash advances. Balance transfer and cash advance fee: either $10 or 3% of the amount of each balance transfer or cash advance, whichever is greater. Cash advances can be made for up to 50% of the credit line. |
| Ongoing | 18.74% | None | Ongoing APR varies with the market based on the Prime Rate (Prime + 11.99%). Stated APR is 18.74% based on Prime Rate of 6.75% as of December 24, 2025. Applies to purchases, balance transfers, and cash advances. Account will never have an APR over 21%. Balance transfer and cash advance fee: either $10 or 3% of the amount, whichever is greater. Cash advances can be made for up to 50% of the credit line. |
Sources (2)
All captured Oct 23, 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.