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 17 in Oxnard, CA metro · median 13.00% APR
- 8.99%APRas low as · up to 16.99%
8.99% APR, up to 16.99%
Terms
Fixed APR determined when account is opened, based on creditworthiness and underwriting guidelines.
Credit card score 88 · Carrot Score 92
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 - 11.74%APRas low as · up to 18.25%
11.74% APR, up to 18.25%
Terms
When you open your account, based on your creditworthiness. Variable based on Prime Rate.
Credit card score 75 · Carrot Score 61
Rate checked · Credit cards rates on its site
Rates and branches - 11.99%APRas low as · up to 23.99%
11.99% APR, up to 23.99%
Terms
Credit Card APR may vary and is determined by adding margin (4.99% to 16.99%) to the U.S. prime rate published in the Money Rates section of the Wall Street Journal on the first business day of the month.
Credit card score 72 · Carrot Score 93
Rate checked · Credit cards rates on its site
Rates and branches - 11.99%APRas low as · up to 17.99%
11.99% APR, up to 17.99%
Terms
Standard variable APR on purchases after the introductory period, based on creditworthiness. Variable rate.
Credit card score 72 · Carrot Score 84
Rate checked · Credit cards rates on its site
Rates and branches - 12.24%APRas low as
Terms
Variable APR as low as 12.24% for purchases and balance transfers. Qualification and rate is based on an assessment of individual creditworthiness and underwriting standards.
Credit card score 71 · Carrot Score 70
Rate checked · Credit cards rates on its site
Rates and branches - 12.45%APRas low as · up to 24.45%
12.45% APR, up to 24.45%
Terms
Variable APR based on creditworthiness and Prime Rate. Applies to purchases, cash advances, and balance transfers.
Credit card score 71 · Carrot Score 73
Rate checked · Credit cards rates on its site
Rates and branches - 12.90%APRas low as · up to 22.90%
12.90% APR, up to 22.90%
Terms
Standard variable APR for purchases after the introductory period, based on creditworthiness. Variable APR varies with the market based on the Prime Rate.
Credit card score 67 · Carrot Score 71
Rate checked · Credit cards rates on its site
Rates and branches - 13.00%APRas low as · up to 18.00%
13.00% APR, up to 18.00%
Terms
When you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
Credit card score 66 · Carrot Score 76
Rate checked · Credit cards rates on its site
Rates and branches - 13.50%APRas low as · up to 17.90%
13.50% APR, up to 17.90%
Terms
Variable APR based on creditworthiness. Minimum monthly payment is 2% of statement balance or $25, whichever is greater.
Credit card score 65 · Carrot Score 87
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 - 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 - 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 27.49%
18.49% APR, up to 27.49%
Terms
Variable purchase APR based on creditworthiness.
Credit card score 60 · Carrot Score 66
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 Oxnard, CA metro
17 banks and credit unions · checked Oct 16–22
- Typical
- 13.00%
- Top 10% up to
- 11.14%
- Banks, typical
- 18.49%
- Credit unions, typical
- 12.12%
How does your bank’s rate compare?
Find your bank or credit union to see all its rates and how they compare near you.
Oxnard, CA metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- CommunityAmerica Credit UnionCredit union · 2 branches
- Firefighters First Credit UnionCredit union · 1 branch
- First BankBank · 2 branches