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 Montgomery, AL metro · median 13.25% APR
- Auburn University Credit UnionMastercard Platinum Credit Card · No annual fee
Credit union · 1 branch
7.90%APRas low asTerms
As low as 7.9% APR. General credit card rate stated as 7.9–19% APR on homepage. Subject to credit approval.
Credit card score 93 · Carrot Score 98
Rate checked · Credit cards rates on its site
Rates and branches - 8.99%APRas low as · up to 17.99%
8.99% APR, up to 17.99%
Credit card score 88 · Carrot Score 98
Rate checked · Credit cards rates on its site
Rates and branches - 8.99%APRas low as · up to 17.99%
8.99% APR, up to 17.99%
Credit card score 88 · Carrot Score 89
Rate checked · Credit cards rates on its site
Rates and branches - 9.96%APRas low as
Terms
Fixed rates as low as 9.96% APR. Annual Percentage Rates on purchases and balance transfers are based on normal credit criteria.
Credit card score 81 · Carrot Score 65
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 - 12.24%APRas low as · up to 17.99%
12.24% APR, up to 17.99%
Terms
Variable rate ranging from 12.24% - 17.99% APR depending on credit qualifications. Minimum approved amount is $5,000.
Credit card score 71 · Carrot Score 88
Rate checked · Credit cards rates on its site
Rates and branches - 13.25%APRas low as · up to 18.00%
13.25% APR, up to 18.00%
Terms
Credit Limits of Up to $10,000.
Credit card score 66 · Carrot Score 73
Rate checked · Credit cards rates on its site
Rates and branches - 13.49%APRas low as · up to 16.75%
13.49% APR, up to 16.75%
Terms
Based on creditworthiness. APR may be higher based on past and present credit performance.
Credit card score 66 · Carrot Score 89
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 - 17.74%APRas low as · up to 27.74%
17.74% APR, up to 27.74%
Terms
Variable APR based on creditworthiness and Prime Rate index beginning in the 13th billing cycle. Effective as of 10/22/2026.
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 - 19.95%APRas low as
Terms
Fixed monthly rate. No monthly or annual fees.
Credit card score 60 · Carrot Score 93
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 Montgomery, AL metro
13 banks and credit unions · checked Oct 22
- Typical
- 13.25%
- Top 10% up to
- 8.99%
- Banks, typical
- 17.74%
- Credit unions, typical
- 11.24%
How does your bank’s rate compare?
Find your bank or credit union to see all its rates and how they compare near you.
Montgomery, AL metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Auburn University Credit UnionCredit union · 1 branch
- ASE Credit UnionCredit union · 6 branches
- Guardian Credit UnionCredit union · 11 branches