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 1–12 of 12 in Vallejo, CA metro · median 12.88% APR
- 8.90%APRas low as
Terms
Non-variable APR for purchases, balance transfers, and cash advances. Minimum interest charge is $1.00 if charged interest.
Credit card score 89 · Carrot Score 97
Rate checked · Credit cards rates on its site
Rates and branches - 9.49%APRas low as · up to 18.00%
9.49% APR, up to 18.00%
Terms
Actual rate may vary based on creditworthiness. Rates are subject to change without notice. All loans are subject to credit review and loan approval. All loans are calculated using simple interest, with no prepayment penalties. No annual fee.
Credit card score 87 · Carrot Score 89
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 - 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 - 10.65%APRas low as · up to 20.40%
10.65% APR, up to 20.40%
Terms
Rates schedule APR for Purchases: 10.65% (table) / 10.40% to 20.40% (caption), when you open your account, based on creditworthiness. Variable with market based on Prime Rate. $0 annual fee.
Credit card score 81 · Carrot Score 86
Rate checked · Credit cards rates on its site
Rates and branches - 12.25%APRas low as · up to 18.15%
12.25% APR, up to 18.15%
Terms
Zero balance transfer fees. Rates and terms will vary based on the credit worthiness of individual applicants. APR will vary with the market, based on Prime Rate.
Credit card score 71 · Carrot Score 77
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 - 15.48%APRas low as · up to 17.98%
15.48% APR, up to 17.98%
Terms
Standard variable APR varying based on the Prime Rate. Earns 1.5 points per $1 spent. Credit limit $500 to $20,000 (up to $25,000).
Credit card score 62 · Carrot Score 82
Rate checked · Credit cards rates on its site
Rates and branches - 16.00%APRas low as
Terms
Fixed APR for Purchases is 16.00% (monthly periodic rate of 1.3333%). No annual fee.
Credit card score 61
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 Vallejo, CA metro
12 banks and credit unions · checked Oct 16–22
- Typical
- 12.88%
- Top 10% up to
- 9.56%
- Banks, typical
- 18.12%
- Credit unions, typical
- 10.45%
How does your bank’s rate compare?
Find your bank or credit union to see all its rates and how they compare near you.
Vallejo, CA metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- 1st Nor Cal® Credit UnionCredit union · 1 branch
- Travis Credit UnionCredit union · 13 branches
- First BankBank · 1 branch