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 1–15 of 21 in Louisville/Jefferson County, KY-IN metro · median 12.00% APR
- 8.90%APRas low as
Credit card score 89 · Carrot Score 88
Rate checked · Credit cards rates on its site
Rates and branches - 8.90%APRas low as · up to 17.90%
8.90% APR, up to 17.90%
Terms
Fixed rates of 8.9%, 9.9%, 11.9%, 14.9% or 17.9% APR based on credit profile. Applies to new and outstanding balances, balance transfers, purchases, and cash advances. No annual fee, cash advance fee, or balance transfer fee.
Credit card score 89 · Carrot Score 84
Rate checked · Credit cards rates on its site
Rates and branches - 9.75%APRas low as
Terms
Regular APR as low as 9.75%.
Credit card score 87 · Carrot Score 86
Rate checked · Credit cards rates on its site
Rates and branches - 9.99%APRas low as
Terms
Fixed APR of 9.99%. 25-day grace period. 1% cash back on every purchase paid in December of each year. Credit limits $5,000 plus.
Credit card score 82 · Carrot Score 84
Rate checked · Credit cards rates on its site
Rates and branches - 10.50%APRas low as
Terms
Variable regular APR based on Prime Rate. Revolving with 25-day grace period.
Credit card score 81 · Carrot Score 76
Rate checked · Credit cards rates on its site
Rates and branches - 10.90%APRas low as · up to 18.00%
10.90% APR, up to 18.00%
Terms
APR for purchases based on creditworthiness. Non-variable rate. Grace period of at least 25 days after the close of each billing cycle to avoid paying interest on purchases if paid in full.
Credit card score 79 · Carrot Score 86
Rate checked · Credit cards rates on its site
Rates and branches - 10.90%APRas low as · up to 16.90%
10.90% APR, up to 16.90%
Terms
Fixed APR of 10.90% or 16.90% after the first 6 billing cycles, based on approved credit and creditworthiness. No annual fee.
Credit card score 79 · Carrot Score 78
Rate checked · Credit cards rates on its site
Rates and branches - 10.99%APRas low as
Terms
Quoted APR is as low as 10.99% based on creditworthiness and qualifications; rate may vary with the Prime Rate. Subject to approval and $10 membership fee if not already a member.
Credit card score 77 · Carrot Score 91
Rate checked · Credit cards rates on its site
Rates and branches - 11.00%APRas low as · up to 21.00%
11.00% APR, up to 21.00%
Terms
Variable ongoing APR for purchases based on creditworthiness; varies with the market based on the Prime Rate. Tiers include 11.00%, 13.00%, 15.00%, 17.00%, or 21.00% APR.
Credit card score 77 · Carrot Score 89
Rate checked · Credit cards rates on its site
Rates and branches - 11.90%APRas low as
Terms
Fixed APR for purchases. No annual fee. Membership fee none. Pay entire balance by due date (at least 25 days after close of billing cycle) to avoid paying interest on purchases.
Credit card score 73 · Carrot Score 71
Rate checked · Credit cards rates on its site
Rates and branches - 12.00%APRas low as · up to 19.00%
12.00% APR, up to 19.00%
Terms
Variable APR for purchases and cash advances. After the first six months, APR is based on Prime Rate (Index) plus a margin of 5.00% to 12.00% (currently 12.00% – 18.00%). APR will never be greater than 18.00%.
Credit card score 72 · Carrot Score 86
Rate checked · Credit cards rates on its site
Rates and branches - 12.90%APRas low as
Terms
12.90% fixed annual percentage rate for purchases from merchants who accept Visa; no annual fees.
Credit card score 67 · Carrot Score 85
Rate checked · Credit cards rates on its site
Rates and branches - 13.00%APRas low as · up to 15.00%
13.00% APR, up to 15.00%
Terms
APRs are variable and determined by adding 6.00% to 8.00% to the Prime Rate in effect at the time of account opening. Current APRs based on Prime Rate as of 10-9-2026. Minimum credit limit $5,000. Subject to credit approval.
Credit card score 66 · Carrot Score 90
Rate checked · Credit cards rates on its site
Rates and branches - 13.00%APRas low as
Credit card score 66 · Carrot Score 88
Rate checked · Credit cards rates on its site
Rates and branches - 13.49%APRas low as
Terms
Variable purchase APR adjusts to 14.99% APR after the Intro period. Calculated as Prime Rate (7.00% as of 9/17/2026) + 6.49% margin (Maximum APR 24.00%).
Credit card score 66
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 Louisville/Jefferson County, KY-IN metro
21 banks and credit unions · checked Oct 15–22
- Typical
- 12.00%
- Top 10% up to
- 9.75%
- Banks, typical
- 13.74%
- Credit unions, typical
- 10.99%
How does your bank’s rate compare?
Find your bank or credit union to see all its rates and how they compare near you.
Louisville/Jefferson County, KY-IN metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Commonwealth Credit UnionCredit union · 4 branches
- Brown Forman Employees Credit UnionCredit union · 1 branch
- Indiana Members Credit UnionCredit union · 2 branches