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 1–6 of 6 in New Albany, IN · median 12.74% APR
- 10.90%APRas low as · up to 16.90%
10.90% APR, up to 16.90%
Terms
Fixed APR of 10.90% or 16.90% after the first 6 billing cycles, based on approved credit and creditworthiness. No annual fee.
Credit card score 79 · Carrot Score 78
Rate checked · Credit cards rates on its site
Rates and branches - 11.00%APRas low as · up to 21.00%
11.00% APR, up to 21.00%
Terms
Variable ongoing APR for purchases based on creditworthiness; varies with the market based on the Prime Rate. Tiers include 11.00%, 13.00%, 15.00%, 17.00%, or 21.00% APR.
Credit card score 77 · Carrot Score 89
Rate checked · Credit cards rates on its site
Rates and branches - 12.00%APRas low as · up to 19.00%
12.00% APR, up to 19.00%
Terms
Variable APR for purchases and cash advances. After the first six months, APR is based on Prime Rate (Index) plus a margin of 5.00% to 12.00% (currently 12.00% – 18.00%). APR will never be greater than 18.00%.
Credit card score 72 · Carrot Score 86
Rate checked · Credit cards rates on its site
Rates and branches - 13.49%APRas low as
Terms
Variable purchase APR adjusts to 14.99% APR after the Intro period. Calculated as Prime Rate (7.00% as of 9/17/2026) + 6.49% margin (Maximum APR 24.00%).
Credit card 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 - 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 New Albany, IN
6 banks and credit unions · checked Oct 15–22
- Typical
- 12.74%
- Top 10% up to
- 10.95%
- Banks, typical
- 13.99%
- Credit unions, typical
- 11.00%
How does your bank’s rate compare?
Find your bank or credit union to see all its rates and how they compare near you.
Louisville/Jefferson County, KY-IN metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Commonwealth Credit UnionCredit union · 4 branches
- Brown Forman Employees Credit UnionCredit union · 1 branch
- Indiana Members Credit UnionCredit union · 2 branches