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 1–5 of 5 in Elmira, NY metro · median 12.24% APR
- Finger Lakes Health Care Federal Credit UnionVisa Credit Cards · No annual fee
Credit union · 1 branch
9.90%APRas low asTerms
Credit tier A+ (credit score 760 and above).
Credit card score 84 · Carrot Score 85
Rate checked · Credit cards rates on its site
Rates and branches - 11.50%APRas low as
Terms
Variable APR based on Prime + 4.50% (changes quarterly). Current APR for purchases and cash advances is Prime + 4.50% APR (11.25%). Average daily balance method including new purchases. 25-day grace period for purchases. $0 cash advance fee, $0 balance transfer fee, $0 annual fee.
Credit card score 75 · Carrot Score 77
Rate checked · Credit cards rates on its site
Rates and branches - 12.24%APRas low as · up to 17.99%
12.24% APR, up to 17.99%
Terms
Variable APR based on Prime Rate (7.00%) + margin (+5.24% to 14.49%); maximum APR 17.99%. APR varies based on creditworthiness.
Credit card score 71 · Carrot Score 73
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 - 13.75%APRas low as · up to 18.00%
13.75% APR, up to 18.00%
Terms
Rates determined by creditworthiness. Variable rate subject to monthly change based on margin and index.
Credit card score 64 · Carrot Score 65
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 Elmira, NY metro
5 banks and credit unions · checked Oct 16
- Typical
- 12.24%
- Top 10% up to
- 10.54%
- Banks, typical
- 13.74%
- Credit unions, typical
- 11.87%
How does your bank’s rate compare?
Find your bank or credit union to see all its rates and how they compare near you.
New York
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Ontario Shores FCUCredit union · 5 branches
- Quorum Federal Credit UnionCredit union · 1 branch
- SJP Federal Credit UnionCredit union · 1 branch