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 16–26 of 26 in Cincinnati, OH-KY-IN metro · median 11.50% APR
- 12.90%APRas low as
Credit card score 67 · Carrot Score 62
Rate checked · Credit cards rates on its site
Rates and branches - Miami University Community Federal Credit UnionCash Rewards VISA Gold Card · $20 annual fee
Credit union · 3 branches
12.95%APRas low asTerms
Competitive non-variable rate of 12.95% (APR) on purchases.
Credit card score 66 · Carrot Score 67
Rate checked · Credit cards rates on its site
Rates and branches - 12.96%APRas low as
Terms
Standard rate of 12.96%. Line of credit range: $500.00 – $5000.00. Please call for details.
Credit card score 67 · Carrot Score 75
Rate checked · Credit cards rates on its site
Rates and branches - 13.00%APRas low as · up to 15.00%
13.00% APR, up to 15.00%
Terms
APRs are variable and determined by adding 6.00% to 8.00% to the Prime Rate in effect at the time of account opening. Current APRs based on Prime Rate as of 10-9-2026. Minimum credit limit $5,000. Subject to credit approval.
Credit card score 66 · Carrot Score 90
Rate checked · Credit cards rates on its site
Rates and branches - 13.00%APRas low as · up to 20.00%
13.00% APR, up to 20.00%
Terms
Variable rate based on creditworthiness; APR varies with the market based on the Prime Rate. Programs, rates, terms and conditions subject to change without notice.
Credit card score 66 · Carrot Score 90
Rate checked · Credit cards rates on its site
Rates and branches - 13.49%APRas low as
Terms
Variable purchase APR adjusts 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
Rates and branches - Delta Community Credit UnionVisa Platinum Rewards Credit Card · No annual fee
Credit union · 1 branch
13.50%APRas low as · up to 17.50%13.50% APR, up to 17.50%
Terms
Variable Rate. Availability of rates based on creditworthiness and other factors. Credit line up to $50,000.
Credit card score 65 · Carrot Score 88
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 - 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 - 19.00%APRas low as · up to 25.00%
19.00% APR, up to 25.00%
Terms
Variable APR based on creditworthiness. Variable rate indexed to Wall Street Journal Prime Rate.
Credit card score 60 · Carrot Score 60
Rate checked · Credit cards rates on its site
Rates and branches - 20.74%APRas low as · up to 27.74%
20.74% APR, up to 27.74%
Terms
Variable APR for purchases based on creditworthiness and the Prime Rate.
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 Cincinnati, OH-KY-IN metro
26 banks and credit unions · checked Oct 16–22
- Typical
- 11.50%
- Top 10% up to
- 9.37%
- Banks, typical
- 13.99%
- Credit unions, typical
- 9.96%
How does your bank’s rate compare?
Find your bank or credit union to see all its rates and how they compare near you.
Cincinnati, OH-KY-IN metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Superior Credit UnionCredit union · 5 branches
- CommunityAmerica Credit UnionCredit union · 1 branch
- Central BankBank · 4 branches