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 1–10 of 10 in Worcester, MA metro · median 11.86% APR
- 9.90%APRas low as
Terms
Fixed APR on all transactions (Purchases, Balance Transfers, Cash Advances); Credit line from $1,000 to $10,000
Credit card score 84 · Carrot Score 86
Rate checked · Credit cards rates on its site
Rates and branches - 9.99%APRas low as · up to 17.99%
9.99% APR, up to 17.99%
Terms
Variable APR on purchases based on creditworthiness.
Credit card score 82 · Carrot Score 72
Rate checked · Credit cards rates on its site
Rates and branches - First Tech Federal Credit UnionChoice Rewards World Mastercard · No annual fee
Credit union · 6 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 - 10.90%APRas low as
Terms
One flat 10.90% APR across all transaction types. No annual fee. No fees on balance transfers. No fees on cash advances.
Credit card score 79 · Carrot Score 84
Rate checked · Credit cards rates on its site
Rates and branches - 11.74%APRas low as
Terms
Credit Type: New to Credit. First-time borrower variable APR as low as 11.74%. Cash advance APR is same as APR for purchases. Rate capped at 17.5%.
Credit card score 75 · Carrot Score 86
Rate checked · Credit cards rates on its site
Rates and branches - 11.99%APRas low as
Terms
Rates shown are lowest possible rates currently offered; other rates available based on credit profile and loan terms. Minimum payment is 2.5% of outstanding balance or $15.00, whichever is greater. Same low rate for purchases, balance transfers, and cash advances.
Credit card score 72 · Carrot Score 99
Rate checked · Credit cards rates on its site
Rates and branches - 12.25%APRas low as
Terms
Variable APR as low as WSJ Prime + 5.25% or higher (currently 12.25% variable APR based on WSJ Prime of 7.00% as of September 16, 2026). Same rate applies to purchases, cash advances & balance transfers (after intro). No cash advance fees. Rates can change monthly.
Credit card score 71 · Carrot Score 70
Rate checked · Credit cards rates on its site
Rates and branches - 13.50%APRas low as · up to 17.50%
13.50% APR, up to 17.50%
Terms
Variable rates subject to change. Rates are based on an index of Prime Rate (7.00%) plus a margin of 6.50%, 7.50%, 8.50%, or 10.50% based on your credit score.
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 20.74%
13.74% APR, up to 20.74%
Terms
Variable APR (NOR version).
Credit card score 65 · Carrot Score 60
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 Worcester, MA metro
10 banks and credit unions · checked Oct 5–17
- Typical
- 11.86%
- Top 10% up to
- 9.98%
- Banks, typical
- 13.74%
- Credit unions, typical
- 11.74%
How does your bank’s rate compare?
Find your bank or credit union to see all its rates and how they compare near you.
Worcester, MA metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Hanscom Federal Credit UnionCredit union · 1 branch
- GFA FCUCredit union · 4 branches
- UMassFiveCredit union · 1 branch