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 Harrisburg, PA metro · median 10.25% APR
- 6.90%APRas low as
Terms
Rates are based on creditworthiness, so your rate offered may differ. Loans may be subject to other terms and conditions.
Credit card score 97 · Carrot Score 83
Rate checked · Credit cards rates on its site
Rates and branches - 8.90%APRas low as
Terms
Rate is non-variable and based on creditworthiness and other underwriting criteria; the APR received may differ from the rate shown. Credit limits range from $250 to $25,000. No balance transfer fee.
Credit card score 89 · Carrot Score 89
Rate checked · Credit cards rates on its site
Rates and branches - PA Central Federal Credit UnionVISA Traditional Credit Card · No annual fee
Credit union · 3 branches
9.90%APRas low asTerms
Non-variable rate. No annual fees, balance transfer fees, or transaction fees.
Credit card score 84 · Carrot Score 83
Rate checked · Credit cards rates on its site
Rates and branches - 9.90%APRas low as
Terms
Standard ongoing purchase rate after the introductory promotional period ends.
Credit card score 84 · Carrot Score 88
Rate checked · Credit cards rates on its site
Rates and branches - 9.90%APRas low as
Terms
Purchases APR based on creditworthiness. No annual fee. 25-day grace period on purchases. Earn 1 point per dollar spent.
Credit card score 84 · Carrot Score 83
Rate checked · Credit cards rates on its site
Rates and branches - 10.24%APRas low as · up to 18.00%
10.24% APR, up to 18.00%
Terms
Variable APR based on creditworthiness; tied to the U.S. Prime Rate.
Credit card score 81 · Carrot Score 88
Rate checked · Credit cards rates on its site
Rates and branches - 10.25%APRas low as
Terms
Visa Balance Transfer / New Purchase Program for new purchases; based on creditworthiness. Annual fee none.
Credit card score 81 · Carrot Score 80
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 - 13.99%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 - 15.74%APRas low as · up to 23.74%
15.74% APR, up to 23.74%
Credit card score 61 · Carrot Score 60
Rate checked · Credit cards rates on its site
Rates and branches - 16.49%APRas low as
Terms
Variable purchase interest rate as low as 16.49% Annual Percentage Rate. Available for those that qualify for a credit line of up to $4,999.
Credit card score 61 · Carrot Score 71
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 27.99%
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 Harrisburg, PA metro
13 banks and credit unions · checked Oct 7–22
- Typical
- 10.25%
- Top 10% up to
- 9.10%
- Banks, typical
- 16.12%
- Credit unions, typical
- 9.90%
How does your bank’s rate compare?
Find your bank or credit union to see all its rates and how they compare near you.
Harrisburg, PA metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- AmeriChoice Federal Credit UnionCredit union · 4 branches
- Navy Federal Credit UnionCredit union · 1 branch
- PSECUCredit union · 2 branches