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 Española, NM metro · median 14.49% APR
- 8.49%APRas low as
Terms
Annual fee stated as $5 on page p19. Monthly payments are 3% of balance (minimum $30). 25-day grace period on all new purchases. Late fee of $25 applied after 10 days; over-limit fee is $10.
Credit card score 89 · Carrot Score 89
Rate checked · Credit cards rates on its site
Rates and branches - 11.74%APRas low as
Terms
Rates starting at 11.74% APR. No annual fee.
Credit card score 75 · Carrot Score 87
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 · 2 branches
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 - 16.74%APRas low as
Terms
Purchase APR is variable (Prime Rate of 6.75% + 9.74% margin, max 22.99%).
Credit card score 61 · Carrot Score 83
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
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 Española, NM metro
5 banks and credit unions · checked Oct 16–22
- Typical
- 14.49%
- Top 10% up to
- 9.79%
- Banks, typical
- 16.74%
- Credit unions, typical
- 10.12%
How does your bank’s rate compare?
Find your bank or credit union to see all its rates and how they compare near you.
Española, NM metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Guadalupe Credit UnionCredit union · 1 branch
- UMB BankBank · 2 branches
- Del Norte Credit UnionCredit union · 2 branches