Compare Bank & Credit Union Rates
Best credit card rates, lowest APRs
Compare ongoing purchase APRs on credit cards from banks and credit unions, with annual fees, conditions and original sources.
Top credit card rates
Showing 16–30 of 40 in Seattle, WA metro · median 12.38% APR
- 11.50%APRas low as
Terms
Non-variable APR applies to purchases, balance transfers, and cash advances. 25-day grace period on purchases if paid in full each month by the due date.
Credit card score 75 · Carrot Score 87
Rate checked · Credit cards rates on its site
Rates and branches - 11.74%APRas low as · up to 19.49%
11.74% APR, up to 19.49%
Terms
Standard variable APR; determined at account opening based on creditworthiness, then varies with the Prime Rate. No annual fee. Transaction type for this APR is not specified.
Credit card score 75 · Carrot Score 83
Rate checked · Credit cards rates on its site
Rates and branches - 11.75%APRas low as
Terms
As low as 11.75% Variable APR. Subject to credit approval; APR based on credit history. High credit limit up to $20,000. 25-day grace period. No annual fee. No over-limit fee. Cash advances available.
Credit card score 74 · Carrot Score 70
Rate checked · Credit cards rates on its site
Rates and branches - 11.90%APRas low as · up to 23.90%
11.90% APR, up to 23.90%
Terms
Rates and financing are based on creditworthiness. No annual fee.
Credit card score 73 · Carrot Score 72
Rate checked · Credit cards rates on its site
Rates and branches - 12.25%APRas low as · up to 20.25%
12.25% APR, up to 20.25%
Terms
Variable APR. Actual rate may vary based on creditworthiness and terms. Minimum 28-day grace period on purchases. No balance transfer fee and no over limit fee.
Credit card score 71 · Carrot Score 65
Rate checked · Credit cards rates on its site
Rates and branches - 12.50%APRas low as · up to 18.00%
12.50% APR, up to 18.00%
Terms
Variable APR changing with market based on Prime rate, not to exceed 18%. Rate dependent upon credit qualifications/history.
Credit card score 70 · Carrot Score 64
Rate checked · Credit cards rates on its site
Rates and branches - 12.50%APRas low as · up to 18.00%
12.50% APR, up to 18.00%
Terms
Variable APR based on the Prime Rate. Actual rate based on creditworthiness.
Credit card score 70 · Carrot Score 63
Rate checked · Credit cards rates on its site
Rates and branches - 12.50%APRas low as · up to 21.50%
12.50% APR, up to 21.50%
Terms
Standard variable APR based on Prime Rate depending on credit history for purchases. Prime plus margin of 5.50% - 21.00% depending on credit history. Maximum APR 29.99%.
Credit card score 70 · Carrot Score 71
Rate checked · Credit cards rates on its site
Rates and branches - 12.74%APRas low as · up to 24.74%
12.74% APR, up to 24.74%
Terms
Variable rate based on Prime Rate. Standard variable APR based on creditworthiness. Avoid finance charges on purchases by paying entire balance within 25 days of statement closing date.
Credit card score 69 · Carrot Score 64
Rate checked · Credit cards rates on its site
Rates and branches - 12.74%APRas low as · up to 17.45%
12.74% APR, up to 17.45%
Terms
Variable APR based on Prime Rate plus a margin of 5.74% to 10.45% based on creditworthiness.
Credit card score 69 · Carrot Score 82
Rate checked · Credit cards rates on its site
Rates and branches - 13.24%APRas low as · up to 17.99%
13.24% APR, up to 17.99%
Terms
Rate based on approved credit (OAC). MRCU may offer other rates or amend the rates disclosed from time to time.
Credit card score 66 · Carrot Score 64
Rate checked · Credit cards rates on its site
Rates and branches - 13.40%APRas low as
Terms
Non-variable APR as low as 13.40%. No balance transfer fee. No cash advance fee (interest accrues immediately on all cash advances). Required minimum monthly payment is 2.5% of outstanding balance. 25-Day Grace Period on Purchases.
Credit card score 66 · Carrot Score 87
Rate checked · Credit cards rates on its site
Rates and branches - Ukrainian Federal Credit UnionUFCU Everyday Rewards Visa Card · No annual fee
Credit union · 1 branch
13.50%APRas low as · up to 18.00%13.50% APR, up to 18.00%
Terms
For purchases and balance transfers. Starting as low as Prime + 6.5%.
Credit card score 65 · Carrot Score 89
Rate checked · Credit cards rates on its site
Rates and branches - 13.50%APRas low as · up to 22.50%
13.50% APR, up to 22.50%
Terms
Thereafter, variable APR ranges from 13.50% to 22.50% based on a margin and creditworthiness, varying with the market based on the Prime Rate published in The Wall Street Journal. Accurate as of 10/07/2026.
Credit card score 65 · Carrot Score 63
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
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 Seattle, WA metro
40 banks and credit unions · checked Oct 16–22
- Typical
- 12.38%
- Top 10% up to
- 9.86%
- Banks, typical
- 15.86%
- Credit unions, typical
- 11.62%
How does your bank’s rate compare?
Find your bank or credit union to see all its rates and how they compare near you.
Seattle, WA metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Ironworkers USA Credit UnionCredit union · 1 branch
- Firefighters First Credit UnionCredit union · 1 branch
- Alaska Air Group Credit UnionCredit union · 1 branch