Compare Bank & Credit Union Rates
Best credit card rates in Lowell, MA
Compare ongoing purchase APRs on credit cards from banks and credit unions, with annual fees, conditions and original sources.
Top credit card rates
Showing 1–13 of 13 in Middlesex County, MA · median 11.99% APR
- 8.90%APRas low as
Terms
Fixed APR as low as 8.90%. Rates are tier-based and priced according to member's individual credit ratings. Annual fee is $0 ($25 on p10 footnote unless Relationship Account). No balance transfer fee, no cash advance fee.
Credit card score 89 · Carrot Score 88
Rate checked · Credit cards rates on its site
Rates and branches - 8.99%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Rates include a 0.50% APR discount for members who maintain a qualifying recurring direct deposit of at least $100 from payroll, Social Security, or retirement income into a TFCU savings or checking account. If the qualifying direct deposit ceases, the APR will increase by 0.50%.
Credit card score 88 · Carrot Score 89
Rate checked · Credit cards rates on its site
Rates and branches - 9.90%APRas low as
Terms
Term is Revolving. Actual APR based on credit history and term. No application fee. 25-day grace period on purchases.
Credit card score 84 · Carrot Score 77
Rate checked · Credit cards rates on its site
Rates and branches - 9.90%APRas low as
Terms
As low as 9.90% APR. Rates are determined by credit score. All rates are subject to change without notice. No annual fee. Credit lines up to $7,500.
Credit card score 84 · Carrot Score 88
Rate checked · Credit cards rates on its site
Rates and branches - First Tech Federal Credit UnionChoice Rewards World Mastercard · No annual fee
Credit union · 10 branches
10.74%APRas low as · up to 18.00%10.74% APR, up to 18.00%
Terms
Purchase APR is 11.75% to 18.00% when you open your account, based on creditworthiness. Variable rate adjusts monthly by adding a margin of 3.74% to 18.00% to Prime Rate. Maximum APR will not exceed 18.00%. No annual fee. Earn 20,000 bonus points when you spend $3,000 in the first 60 days.
Credit card score 80 · Carrot Score 79
Rate checked · Credit cards rates on its site
Rates and branches - 11.99%APRas low as
Terms
Rates shown are lowest possible rates currently offered; other rates available based on credit profile and loan terms. Minimum payment is 2.5% of outstanding balance or $15.00, whichever is greater. Same low rate for purchases, balance transfers, and cash advances.
Credit card score 72 · Carrot Score 99
Rate checked · Credit cards rates on its site
Rates and branches - Stoneham Municipal Employees Federal Credit UnionVisa Platinum "First Time" Credit Card Owners · No annual fee
Credit union · 4 branches
11.99%APRas low asTerms
Revolving credit; limit up to $300; cash advances @ 13.99%; Requirements: 18 years or older, full-time employment for 90 days, no credit history (excluding student loans)
Credit card score 72 · Carrot Score 89
Rate checked · Credit cards rates on its site
Rates and branches - 12.49%APRas low as · up to 18.00%
12.49% APR, up to 18.00%
Terms
Rate options: 12.49%, 12.74%, 14.74%, or 18.00% based on creditworthiness. Applies to purchases, balance transfers, and cash advances. Variable APR based on Prime Rate.
Credit card score 70 · Carrot Score 97
Rate checked · Credit cards rates on its site
Rates and branches - 12.90%APRas low as
Terms
Fixed interest rate for all purchases and cash advances. $0.50 minimum finance charge, 25 day grace period.
Credit card score 67 · Carrot Score 93
Rate checked · Credit cards rates on its site
Rates and branches - 13.74%APRas low as · up to 22.74%
13.74% APR, up to 22.74%
Terms
Variable purchase APR based on creditworthiness.
Credit card score 65 · Carrot Score 66
Rate checked · Credit cards rates on its site
Rates and branches - 13.74%APRas low as · up to 20.74%
13.74% APR, up to 20.74%
Terms
Variable APR (NOR version).
Credit card score 65 · Carrot Score 60
Rate checked · Credit cards rates on its site
Rates and branches - Jeanne D'Arc Credit UnionMoneyStrong Build Visa® Credit Card · No annual fee
Credit union · 8 branches
18.00%APRas low asTerms
As low as 18.00% APR under the Money Strong Build and Rebuild Program.
Credit card score 60 · Carrot Score 82
Rate checked · Credit cards rates on its site
Rates and branches - 18.49%APRas low as · up to 27.99%
18.49% APR, up to 27.99%
Terms
Variable APR
Credit card score 60 · Carrot 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 Middlesex County, MA
13 banks and credit unions · checked Oct 15–22
- Typical
- 11.99%
- Top 10% up to
- 9.17%
- Banks, typical
- 13.74%
- Credit unions, typical
- 11.36%
How does your bank’s rate compare?
Find your bank or credit union to see all its rates and how they compare near you.
Boston, MA-NH metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Hanscom Federal Credit UnionCredit union · 13 branches
- USALLIANCE FinancialCredit union · 1 branch
- The Village BankBank · 10 branches