Compare Bank & Credit Union Rates
Best credit card rates in Opelika, AL
Compare ongoing purchase APRs on credit cards from banks and credit unions, with annual fees, conditions and original sources.
Top credit card rates
Showing 1–5 of 5 in Opelika, AL · median 13.99% APR
- 7.90%APRas low as
Terms
Fixed rate, as low as 7.9% on all transactions, including cash advances and balance transfers. No annual fees, no teaser rates, no cash advance fees, no balance transfer fees. Rate is based on creditworthiness.
Credit card score 93 · Carrot Score 82
Rate checked · Credit cards rates on its site
Rates and branches - 13.49%APRas low as · up to 16.75%
13.49% APR, up to 16.75%
Terms
Based on creditworthiness. APR may be higher based on past and present credit performance.
Credit card score 66 · Carrot Score 89
Rate checked · Credit cards rates on its site
Rates and branches - 13.99%APRas low as
Terms
Variable APR for Purchases determined monthly by adding 6.99% margin to Prime Rate (7.00% as of September 17, 2026). Introductory $0 annual fee for the first year, after that $450 (waived for eligible Wealth clients).
Credit card score 61 · Carrot Score 60
Rate checked · Credit cards rates on its site
Rates and branches - 17.74%APRas low as · up to 28.49%
17.74% APR, up to 28.49%
Terms
17.74%, 24.24% or 28.49% variable APR thereafter.
Credit card score 60 · Carrot Score 64
Rate checked · Credit cards rates on its site
Rates and branches - 26.74%APRas low as
Terms
Standard APR for Purchases varies with the market based on WSJ Prime Rate + margin of 19.74%.
Credit card score 60
Rate checked · Credit cards rates on its site
Rates and branches
Each institution’s lowest ongoing purchase APR on a regular card (not an introductory or balance transfer rate): usually its best-credit rate. A rate that needs another account or similar says “with conditions”; More filters can leave those, or cards with an annual fee, out. Secured, business and credit-builder cards are left out. Carrot Score rates each institution on all its CD, savings, auto loan and credit card rates. How we rank
What credit cards charge in Opelika, AL
5 banks and credit unions · checked Oct 22
- Typical
- 13.99%
- Top 10% up to
- 10.14%
- Banks, typical
- 17.74%
- Credit unions, typical
- 10.70%
How does your bank’s rate compare?
Find your bank or credit union to see all its rates and how they compare near you.
Auburn, AL metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Auburn University Credit UnionCredit union · 2 branches
- MAX Credit UnionCredit union · 2 branches