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 22 in Sacramento, CA metro · median 13.50% APR
- 8.90%APRas low as · up to 14.90%
8.90% APR, up to 14.90%
Terms
APR for Purchases. Based on creditworthiness. Credit limits from $500.00 to $15,000.00. No balance transfer fee. 25-day grace period on retail purchases.
Credit card score 89 · Carrot Score 88
Rate checked · Credit cards rates on its site
Rates and branches - 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 - First U.S. Community Credit UnionPlatinum Preferred - Fixed Rate Visa · No annual fee
Credit union · 5 branches
9.90%APRas low asTerms
Fixed APR as low as 9.90% after the introductory six-month period. Income, credit, and other criteria determine actual APR.
Credit card score 84 · Carrot Score 85
Rate checked · Credit cards rates on its site
Rates and branches - 10.25%APRas low as · up to 17.45%
10.25% APR, up to 17.45%
Terms
Variable APR as of 04/07/2026. Rate adjusts monthly and equals prime rate for previous month plus a margin range based on creditworthiness. Applies to Purchases. Amount $300 - $50,000. (Table row lists 02/26/2026 while rates header and footnote 1 state effective 04/07/2026).
Credit card score 81 · Carrot Score 82
Rate checked · Credit cards rates on its site
Rates and branches - First Tech Federal Credit UnionChoice Rewards World Mastercard · No annual fee
Credit union · 2 branches
10.74%APRas low as · up to 18.00%10.74% APR, up to 18.00%
Terms
Purchase APR is 11.75% to 18.00% when you open your account, based on creditworthiness. Variable rate adjusts monthly by adding a margin of 3.74% to 18.00% to Prime Rate. Maximum APR will not exceed 18.00%. No annual fee. Earn 20,000 bonus points when you spend $3,000 in the first 60 days.
Credit card score 80 · Carrot Score 79
Rate checked · Credit cards rates on its site
Rates and branches - 11.75%APRas low as
Credit card score 74 · Carrot Score 82
Rate checked · Credit cards rates on its site
Rates and branches - 11.90%APRas low as · up to 17.90%
11.90% APR, up to 17.90%
Terms
Fixed rate based on creditworthiness. Credit limits range from $100 to $20,000 based on eligibility.
Credit card score 73 · Carrot Score 80
Rate checked · Credit cards rates on its site
Rates and branches - PostCity Financial Credit UnionPlatinum Visa® Rewards Credit Card · No annual fee
Credit union · 1 branch
12.99%APRas low as · up to 19.99%12.99% APR, up to 19.99%
Terms
Rates shown are lowest available and are based on applicant credit history; your rate may be higher.
Credit card score 67 · Carrot Score 70
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 16.00%
13.50% APR, up to 16.00%
Terms
Depending on credit worthiness.
Credit card score 65 · Carrot Score 89
Rate checked · Credit cards rates on its site
Rates and branches - Ukrainian Federal Credit UnionUFCU Everyday Rewards Visa Card · No annual fee
Credit union · 2 branches
13.50%APRas low as · up to 18.00%13.50% APR, up to 18.00%
Terms
For purchases and balance transfers. Starting as low as Prime + 6.5%.
Credit card score 65 · Carrot Score 89
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 - Sierra Central Credit UnionPremier Rewards (Cash Back) VISA® · No annual fee
Credit union · 3 branches
13.74%APRas low as · up to 19.99%13.74% APR, up to 19.99%
Terms
Standard variable APR after the introductory period, based on the Prime Rate plus a margin. Stated APR as low as 13.74% up to 19.99%. No annual fee.
Credit card score 65 · Carrot Score 78
Rate checked · Credit cards rates on its site
Rates and branches - 14.24%APRas low as · up to 36.00%
14.24% APR, up to 36.00%
Terms
Variable standard rate based on credit score.
Credit card score 63 · Carrot Score 86
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 Sacramento, CA metro
22 banks and credit unions · checked Oct 16–22
- Typical
- 13.50%
- Top 10% up to
- 9.94%
- Banks, typical
- 17.74%
- Credit unions, typical
- 12.99%
How does your bank’s rate compare?
Find your bank or credit union to see all its rates and how they compare near you.
Sacramento, CA metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Travis Credit UnionCredit union · 2 branches
- Firefighters First Credit UnionCredit union · 1 branch
- First BankBank · 3 branches