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 1–13 of 13 in Fargo, ND-MN metro · median 14.99% APR
- 7.00%APRas low as
Terms
Share Secured
Credit card score 95 · Carrot Score 86
Rate checked · Credit cards rates on its site
Rates and branches - 9.90%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
Fixed rate. Credit limit up to $75,000 (credit limits of $5,000 or more require a checking account with direct deposit).
Credit card score 84 · Carrot Score 87
Rate checked · Credit cards rates on its site
Rates and branches - 11.50%APRas low as
Credit card score 75 · Carrot Score 70
Rate checked · Credit cards rates on its site
Rates and branches - 11.75%APRas low as · up to 20.75%
11.75% APR, up to 20.75%
Terms
Variable rate based on credit score.
Credit card score 74 · Carrot Score 81
Rate checked · Credit cards rates on its site
Rates and branches - 11.90%APRas low as · up to 18.24%
11.90% APR, up to 18.24%
Terms
Annual Percentage Rate (APR) for Purchases: 11.65%, 12.65%, 13.65%, 16.65%, or 17.99% depending on your credit history. Variable based on the Prime Rate. $0 annual fee. (Note: Comparison table on page p75 mentions 13.40% – 17.99%).
Credit card score 73 · Carrot Score 89
Rate checked · Credit cards rates on its site
Rates and branches - 14.24%APRas low as · up to 18.00%
14.24% APR, up to 18.00%
Terms
Variable rates are subject to change at the end of each calendar quarter and shall not exceed 18.00% APR. No annual fee, no balance transfer fee, no cash advance fee. Interest-free grace period on all purchases if paid in full by due date.
Credit card score 63 · Carrot Score 82
Rate checked · Credit cards rates on its site
Rates and branches - 14.99%APRas low as · up to 26.99%
14.99% APR, up to 26.99%
Terms
Purchase APR; variable based on Prime Rate and creditworthiness.
Credit card score 62
Rate checked · Credit cards rates on its site
Rates and branches - 15.00%APRas low as
Terms
Variable APR based on Prime Rate (6.75% as of 12/10/2025) plus an 8.00% margin. Maximum APR 16.99%. 25-day grace period for purchases.
Credit card score 62 · Carrot Score 91
Rate checked · Credit cards rates on its site
Rates and branches - 15.74%APRas low as · up to 24.74%
15.74% APR, up to 24.74%
Terms
Based on creditworthiness when opening account. Variable rate based on Prime Rate.
Credit card score 61 · Carrot Score 88
Rate checked · Credit cards rates on its site
Rates and branches - 16.92%APRas low as
Terms
For purchases and balance transfers. Minimum interest charge is no less than $1.
Credit card score 60
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 - 18.49%APRas low as · up to 27.49%
18.49% APR, up to 27.49%
Terms
Variable purchase APR based on creditworthiness.
Credit card score 60 · Carrot Score 66
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
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 Fargo, ND-MN metro
13 banks and credit unions · checked Oct 16–22
- Typical
- 14.99%
- Top 10% up to
- 10.22%
- Banks, typical
- 17.74%
- Credit unions, typical
- 11.82%
How does your bank’s rate compare?
Find your bank or credit union to see all its rates and how they compare near you.
Fargo, ND-MN metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Midwest BankBank · 1 branch
- Magnifi FinancialCredit union · 3 branches
- Empeople Credit UnionCredit union · 3 branches