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 1–11 of 11 in Wilmington, NC metro · median 13.50% APR
- 11.25%APRas low as
Terms
Standard variable APR for purchases applied to unpaid introductory balances, new purchases, and new balance transfers after the introductory period. Rate based on credit history.
Credit card score 76 · Carrot Score 81
Rate checked · Credit cards rates on its site
Rates and branches - 11.50%APRas low as · up to 14.50%
11.50% APR, up to 14.50%
Terms
Variable APR on purchases equals Prime + margin of 4.50% - 7.50% based on creditworthiness. No annual fee.
Credit card score 75 · Carrot Score 94
Rate checked · Credit cards rates on its site
Rates and branches - 11.65%APRas low as
Terms
Interest Rate as low as 11.65% APR.
Credit card score 75 · Carrot Score 79
Rate checked · Credit cards rates on its site
Rates and branches - 11.99%APRas low as · up to 18.00%
11.99% APR, up to 18.00%
Terms
Variable APR based on U.S. Prime Rate. Rates capped at 18.00% APR. Specific APR depends on creditworthiness and underwriting standards.
Credit card score 72 · Carrot Score 88
Rate checked · Credit cards rates on its site
Rates and branches - 13.40%APRas low as · up to 23.40%
13.40% APR, up to 23.40%
Terms
After 6 months, a variable 13.40 – 23.40% APR will apply.
Credit card score 66
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
Rate depends on creditworthiness. Variable rate.
Credit card score 65 · Carrot Score 89
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 - 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 - 15.74%APRas low as · up to 23.74%
15.74% APR, up to 23.74%
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 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 27.99%
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 Wilmington, NC metro
11 banks and credit unions · checked Oct 16–22
- Typical
- 13.50%
- Top 10% up to
- 11.50%
- Banks, typical
- 14.86%
- Credit unions, typical
- 11.65%
How does your bank’s rate compare?
Find your bank or credit union to see all its rates and how they compare near you.
Wilmington, NC metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- State Employees' Credit UnionCredit union · 11 branches
- Self-Help Credit UnionCredit union · 1 branch
- Marine Federal Credit UnionCredit union · 1 branch