Compare Bank & Credit Union Rates
Best credit card rates in Valdosta, GA
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 Lowndes County, GA · median 12.74% APR
- 9.99%APRas low as
Terms
Rates quoted are for well-qualified buyers. Actual rate is determined by credit worthiness and ability to repay. 25-day grace period for repayment of balance (rates schedule) / 10-day grace period (product page). Average daily balance including new purchases. Credit limit available up to $20,000 (rates schedule) / up to $25,000 (product page).
Credit card score 82 · Carrot Score 80
Rate checked · Credit cards rates on its site
Rates and branches - 11.74%APRas low as · up to 17.99%
11.74% APR, up to 17.99%
Terms
Variable APR based on Prime Rate. Rate determined at account opening based on creditworthiness.
Credit card score 75 · Carrot Score 77
Rate checked · Credit cards rates on its site
Rates and branches - 12.74%APRas low as
Terms
Purchase APR. Variable based on Prime Rate (Prime + 5.74% margin).
Credit card score 63
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 - 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 Lowndes County, GA
5 banks and credit unions · checked Oct 15–22
- Typical
- 12.74%
- Top 10% up to
- 10.69%
- Banks, typical
- 13.99%
- Credit unions, typical
- 10.86%
How does your bank’s rate compare?
Find your bank or credit union to see all its rates and how they compare near you.
Georgia
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Lanier Federal Credit UnionCredit union · 3 branches
- Peach State Federal Credit UnionCredit union · 25 branches
- PenFed Credit UnionCredit union · 2 branches