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 23 in Rochester, NY metro · median 11.90% APR
- 7.99%APRas low as
Terms
No Annual Fee/No Cash Advance Fee. Plus Earn Rewards Points. APR is based on creditworthiness, loan type, term and is subject to underwriting guidelines.
Credit card score 93 · Carrot Score 87
Rate checked · Credit cards rates on its site
Rates and branches - 8.99%APRas low as
Terms
NO annual fees. NO over-the-limit fees. NO minimum finance charges. NO balance transfer fees. NO cash advance fees. NO penalty APRs. Visa Gold offers up to 1% cashback.
Credit card score 88 · Carrot Score 86
Rate checked · Credit cards rates on its site
Rates and branches - 9.49%APRas low as
Terms
Non-variable rate for purchases. No annual fee.
Credit card score 87 · Carrot Score 92
Rate checked · Credit cards rates on its site
Rates and branches - 9.90%APRas low as · up to 18.00%
9.90% APR, up to 18.00%
Terms
9.90 - 18.00% APR thereafter on purchases.
Credit card score 84 · Carrot Score 88
Rate checked · Credit cards rates on its site
Rates and branches - 9.90%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
APR as low as stated. Maximum Term / limit: $5,000 minimum. No balance transfer fees, no cash advance fees, low fixed rate options, no annual fees. Rates reflect all relationship discounts.
Credit card score 84 · Carrot Score 99
Rate checked · Credit cards rates on its site
Rates and branches - 10.25%APRas low as · up to 18.00%
10.25% APR, up to 18.00%
Terms
APR determined upon account opening based on creditworthiness, then varies with market based on Prime Rate. Applies to purchases, balance transfers, and cash advances.
Credit card score 81 · Carrot Score 88
Rate checked · Credit cards rates on its site
Rates and branches - 10.90%APRas low as
Terms
Rates as low as 10.90% APR. Actual rates may vary. Subject to credit approval and application, as well as Prime Rate.
Credit card score 79 · Carrot Score 75
Rate checked · Credit cards rates on its site
Rates and branches - Alternatives Federal Credit UnionAlternatives VISA Credit Card · No annual fee
Credit union · 1 branch
10.99%APRas low asTerms
Credit Bureau Score 740+
Credit card score 77 · Carrot Score 69
Rate checked · Credit cards rates on its site
Rates and branches - 11.00%APRas low as
Terms
Fixed rate.
Credit card score 77 · Carrot Score 82
Rate checked · Credit cards rates on its site
Rates and branches - 11.25%APRas low as · up to 18.25%
11.25% APR, up to 18.25%
Terms
Regular variable rate applies to purchases, balance transfers, and cash advances. Variable rate is based on highest Prime Rate published in The Wall Street Journal on the last business day of the month preceding the current calendar quarter plus a margin based on a six-month credit review. Maximum 18.00% APR.
Credit card score 76 · Carrot Score 81
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 - Rochester & Monroe County Employees Federal Credit UnionVisa Credit Card · No annual fee
Credit union · 2 branches
11.90%APRas low asTerms
Fixed APR. Payment per $1,000 is $30.00. No-fee credit card.
Credit card score 73 · Carrot Score 74
Rate checked · Credit cards rates on its site
Rates and branches - Spencerport Federal Credit UnionVisa Platinum Preferred with Score Card Points · No annual fee
Credit union · 1 branch
11.90%APRas low asTerms
Fixed rate of interest; 25-day grace period for purchases; no balance transfer or cash advance fees. Rates dependent upon credit approval.
Credit card score 73 · Carrot Score 81
Rate checked · Credit cards rates on its site
Rates and branches - 12.00%APRas low as · up to 17.99%
12.00% APR, up to 17.99%
Terms
Ongoing variable APR for purchases based on creditworthiness: Prime Rate + 5.00% up to Prime Rate + 14.24%. Maximum APR is 17.99% (or 18.00% per rate tables).
Credit card score 72 · Carrot Score 63
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 APR based on Prime Rate (7.00%) + margin (+5.24% to 14.49%); maximum APR 17.99%. APR varies based on creditworthiness.
Credit card score 71 · Carrot Score 73
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 Rochester, NY metro
23 banks and credit unions · checked Oct 16–17
- Typical
- 11.90%
- Top 10% up to
- 9.57%
- Banks, typical
- 17.49%
- Credit unions, typical
- 11.25%
How does your bank’s rate compare?
Find your bank or credit union to see all its rates and how they compare near you.
Rochester, NY metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Ontario Shores FCUCredit union · 1 branch
- Pittsford Federal Credit UnionCredit union · 2 branches
- Canandaigua National BankBank · 26 branches