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 1–15 of 15 in Indiana · median 16.49% APR
- 9.96%APRas low as
- 12.00%APRas low as
Terms
Purchase APR is variable, equal to Prime Rate plus a margin of 5.00%. Prime Rate was 6.75% as of January 10, 2026. Monthly periodic rate 0.9792%. Minimum interest charge $0.50.
Credit card score 72 · Carrot Score 62
Rate checked · Credit cards rates on its site
More details - 13.49%APRas low as
Terms
Rates for purchases will adjust to 14.99% APR after the Intro period. Calculated as Prime Rate (7.00% as of 9/17/2026) + 6.49% margin (Maximum APR 24.00%).
Credit card score 66
Rate checked · Credit cards rates on its site
More details - 13.99%APRas low as
Terms
Ongoing APR of index + 6.99%; index is WSJ prime rate.
Credit card score 64
Rate checked · Credit cards rates on its site
More details - 13.99%APRas low as
Terms
Variable APR: Prime + 6.99%, Rate Cap 21%.
Credit card score 64 · Carrot Score 72
Rate checked · Credit cards rates on its site
More details - 13.99%APRas low as
Terms
Ongoing APR of Prime + 6.99%.
Credit card score 64 · Carrot Score 71
Rate checked · Credit cards rates on its site
More details - 13.99%APRas low as
Terms
Variable APR determined monthly by adding 6.99% to the Prime Rate. $0 introductory annual fee for the first year, waived thereafter for qualifying Wealth Clients with an assigned Truist Wealth advisor.
Credit card score 61 · Carrot Score 61
Rate checked · Credit cards rates on its site
More details - 16.49%APRas low as
Terms
Variable purchase interest rate as low as 16.49% Annual Percentage Rate. Available for those that qualify for a credit line of up to $4,999.
Credit card score 61 · Carrot Score 72
Rate checked · Credit cards rates on its site
More details - 18.48%APRas low as
Terms
Fixed APR of 18.48% for purchases. 25-day grace period for purchases and check transactions when entire balance paid by due date. No annual fee.
Credit card score 60 · Carrot Score 64
Rate checked · Credit cards rates on its site
More details - 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
More details - 18.74%APRas low as · up to 27.74%
18.74% APR, up to 27.74%
Terms
Variable purchase APR based on your creditworthiness.
Credit card score 60 · Carrot Score 82
Rate checked · Credit cards rates on its site
More details - 18.74%APRas low as · up to 29.74%
18.74% APR, up to 29.74%
Terms
Variable APR of 18.74% to 29.74% on Purchases and Balance Transfers after the introductory period based on the Prime Rate. Accurate as of 10/6/2026.
Credit card score 60
Rate checked · Credit cards rates on its site
More details - 19.24%APRas low as · up to 28.24%
19.24% APR, up to 28.24%
Terms
$99 annual fee after the first 12 months. Variable APR based on Prime Rate and creditworthiness.
Credit card score 60
Rate checked · Credit cards rates on its site
More details - 20.74%APRas low as · up to 27.74%
20.74% APR, up to 27.74%
Terms
Variable purchase APR based on the Prime Rate and creditworthiness.
Credit card score 60 · Carrot Score 60
Rate checked · Credit cards rates on its site
More details - 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
More details
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 Indiana
15 banks and credit unions · checked Oct 23–Nov 6
- Typical
- 16.49%
- Top 10% up to
- 12.60%
- Banks, typical
- 16.49%
How does your bank’s rate compare?
Find your bank or credit union to see all its rates and how they compare near you.
Indiana
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Haynes Community FCUCredit union · 1 branch
- Summit Choice Credit UnionCredit union · 6 branches
- Whiting Refinery Federal Credit UnionCredit union · 1 branch