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 Farmington, NM metro · median 13.50% APR
- 9.90%APRas low as
Terms
As low as 9.9% APR depending on credit history. Competitive, fixed rates.
Credit card score 84 · Carrot Score 87
Rate checked · Credit cards rates on its site
Rates and branches - 12.75%APRas low as · up to 18.00%
12.75% APR, up to 18.00%
Terms
Purchases / Balance Transfers. Variable APR based on the Wall Street Journal Prime Rate.
Credit card score 69 · Carrot Score 73
Rate checked · Credit cards rates on its site
Rates and branches - 13.50%APRas low as · up to 22.50%
13.50% APR, up to 22.50%
Terms
Thereafter, variable APR ranges from 13.50% to 22.50% based on a margin and creditworthiness, varying with the market based on the Prime Rate published in The Wall Street Journal. Accurate as of 10/07/2026.
Credit card score 65 · Carrot Score 63
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 Farmington, NM metro
5 banks and credit unions · checked Oct 7–22
- Typical
- 13.50%
- Top 10% up to
- 11.04%
- Banks, typical
- 16.74%
- Credit unions, typical
- 11.32%
How does your bank’s rate compare?
Find your bank or credit union to see all its rates and how they compare near you.
Farmington, NM metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- First Financial Credit UnionCredit union · 2 branches