Compare Bank & Credit Union Rates
Best credit card rates in Belen, NM
Compare ongoing purchase APRs on credit cards from banks and credit unions, with annual fees, conditions and original sources.
Top credit card rates
Showing 1–6 of 6 in Valencia County, NM · median 13.62% APR
- 7.50%APRas low as
Terms
Non-variable rate. Best for credit scores 730+. Credit limit up to $25,000. No annual fee. No balance transfer fee, but interest accrues on balance transfers from date of transfer. Earns 1 point per $1 spent on eligible purchases (2X points promo 10/1/2026 - 12/31/2026).
Credit card score 95 · Carrot Score 93
Rate checked · Credit cards rates on its site
Rates and branches - 9.50%APRas low as · up to 16.25%
9.50% APR, up to 16.25%
Terms
Variable purchase APR after the introductory period based on creditworthiness. Indexed to Prime Rate (Wall Street Journal Prime Rate as of September 16, 2026 = 7.00%).
Credit card score 87 · Carrot Score 91
Rate checked · Credit cards rates on its site
Rates and branches - 12.75%APRas low as · up to 16.75%
12.75% APR, up to 16.75%
Terms
Standard variable APR determined by creditworthiness.
Credit card score 69 · Carrot Score 83
Rate checked · Credit cards rates on its site
Rates and branches - UMB BankUMB Private Bank Visa Signature Preferred Premier Cash Rewards Credit Card · No annual fee
Bank · 1 branch
14.49%APRas low asTerms
After the first 12 months, 14.49% variable APR based on prime rate.
Credit card score 63 · Carrot Score 88
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 - 18.49%APRas low as · up to 27.49%
18.49% APR, up to 27.49%
Terms
Variable purchase APR based on creditworthiness.
Credit card score 60 · Carrot Score 66
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 Valencia County, NM
6 banks and credit unions · checked Oct 16–22
- Typical
- 13.62%
- Top 10% up to
- 8.50%
- Banks, typical
- 17.74%
- Credit unions, typical
- 9.50%
How does your bank’s rate compare?
Find your bank or credit union to see all its rates and how they compare near you.
Albuquerque, NM metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- America First Credit UnionCredit union · 1 branch
- Sandia Area Federal Credit UnionCredit union · 6 branches
- State Employees Credit UnionCredit union · 4 branches