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 Johnson City, TN metro · median 11.99% APR
- United Southeast Federal Credit UnionVisa Credit Card Platinum Preferred · No annual fee
Credit union · 1 branch
7.90%APRas low asTerms
Purchases, Balance Transfers, and Cash Advances APR: 7.90%. Penalty APR: None. Balance Transfer Fee: None. Cash Advance Fee: None. Over-the-credit-limit Fee: None. Minimum Interest Charge: $0.00.
Credit card score 93 · Carrot Score 92
Rate checked · Credit cards rates on its site
Rates and branches - Appalachian Community Federal Credit UnionACFCU Visa Platinum Choice Credit Card · No annual fee
Credit union · 1 branch
9.80%APRas low asTerms
Open-End (Revolving). Rate is as low as 9.80%.
Credit card score 87 · Carrot Score 88
Rate checked · Credit cards rates on its site
Rates and branches - 9.90%APRas low as · up to 12.90%
9.90% APR, up to 12.90%
Terms
No annual fee.
Credit card score 84 · Carrot Score 81
Rate checked · Credit cards rates on its site
Rates and branches - 9.90%APRas low as
Terms
Fixed APR. Eligibility based on previous lending history.
Credit card score 84 · Carrot Score 88
Rate checked · Credit cards rates on its site
Rates and branches - 9.99%APRas low as · up to 18.00%
9.99% APR, up to 18.00%
Terms
Standard rate based on creditworthiness.
Credit card score 82 · Carrot Score 99
Rate checked · Credit cards rates on its site
Rates and branches - 10.00%APRas low as · up to 16.25%
10.00% APR, up to 16.25%
Terms
Rates are based on the fair isaac scores contained within a credit report. Rate based on creditworthiness and term of loan.
Credit card score 81 · Carrot Score 68
Rate checked · Credit cards rates on its site
Rates and branches - 11.99%APRas low as
Terms
Low fixed rate.
Credit card score 72 · Carrot Score 72
Rate checked · Credit cards rates on its site
Rates and branches - 13.50%APRas low as
Terms
Low fixed percentage rate (13.5%); No Annual Fee; No monthly service charge
Credit card score 65 · Carrot Score 73
Rate checked · Credit cards rates on its site
Rates and branches - 13.74%APRas low as · up to 22.74%
13.74% APR, up to 22.74%
Terms
Variable purchase APR based on creditworthiness.
Credit card score 65 · Carrot Score 66
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 - 14.40%APRas low as · up to 18.25%
14.40% APR, up to 18.25%
Terms
No Annual Fee; No Balance Transfer Fees.
Credit card score 63 · Carrot Score 81
Rate checked · Credit cards rates on its site
Rates and branches - 18.99%APRas low as
Credit card score 60 · Carrot Score 83
Rate checked · Credit cards rates on its site
Rates and branches - 26.74%APRas low as
Terms
Standard APR for Purchases varies with the market based on WSJ Prime Rate + margin of 19.74%.
Credit card 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 Johnson City, TN metro
13 banks and credit unions · checked Oct 15–22
- Typical
- 11.99%
- Top 10% up to
- 9.82%
- Banks, typical
- 13.86%
- Credit unions, typical
- 9.99%
How does your bank’s rate compare?
Find your bank or credit union to see all its rates and how they compare near you.
Johnson City, TN metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Knoxville TVA Employees Credit UnionCredit union · 1 branch
- United Southeast Federal Credit UnionCredit union · 1 branch
- Appalachian Community Federal Credit UnionCredit union · 1 branch