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 Troy, MI · median 11.12% APR
- Polish-American FCUPAFCU Visa® Platinum Preferred Credit Card · No annual fee
Credit union · 1 branch
6.90%APRas low asTerms
APR as low as 6.90%. Credit card approval subject to creditworthiness, membership, and other qualifications. Rates, terms and conditions subject to change without notice. $0 foreign transaction fees on purchases made outside of the US.
Credit card score 97 · Carrot Score 93
Rate checked · Credit cards rates on its site
Rates and branches - 8.95%APRas low as · up to 18.95%
8.95% APR, up to 18.95%
Terms
Regular rate as low as 8.95% APR; purchase rates range from 8.95% to 18.95% APR based on credit history.
Credit card score 89 · Carrot Score 84
Rate checked · Credit cards rates on its site
Rates and branches - 9.75%APRas low as · up to 17.75%
9.75% APR, up to 17.75%
Terms
Variable purchase APR based on evaluation of credit history; lowest featured rate based on credit score of 760. $0 balance transfer fee and no teaser rates.
Credit card score 87 · Carrot Score 88
Rate checked · Credit cards rates on its site
Rates and branches - Michigan Schools & Government Credit UnionTitanium Visa Credit Card · No annual fee
Credit union · 1 branch
9.75%APRas low asTerms
Lowest credit card rates on purchases, cash advances, and balance transfers. No annual fees, balance transfer fees or cash advance fees.
Credit card score 87 · Carrot Score 89
Rate checked · Credit cards rates on its site
Rates and branches - 9.90%APRas low as
Terms
APR determined at time account is opened based on credit qualifications. No annual fee. 28-day interest-free grace period.
Credit card score 84 · Carrot Score 92
Rate checked · Credit cards rates on its site
Rates and branches - 10.00%APRas low as · up to 14.88%
10.00% APR, up to 14.88%
Terms
Approval and actual rate offered are based on overall creditworthiness. Variable APR not tied to an index. No annual fee. No balance transfer fee; transfer higher-rate balances to your new card. No cash advance fee.
Credit card score 81 · Carrot Score 91
Rate checked · Credit cards rates on its site
Rates and branches - Community Choice Credit UnionCommunity Choice Platinum Mastercard · No annual fee
Credit union · 1 branch
12.24%APRas low asTerms
Rate is variable and based on creditworthiness, approximate term, and security offered. No annual fee and no balance transfer fee.
Credit card score 71 · Carrot Score 78
Rate checked · Credit cards rates on its site
Rates and branches - 12.25%APRas low as · up to 21.25%
12.25% APR, up to 21.25%
Terms
Standard variable APR on all purchases, cash advances, and balance transfers after 12/31/26 based on creditworthiness. Variable APR is based on Wall Street Journal Prime Rate plus a margin.
Credit card score 71 · Carrot Score 74
Rate checked · Credit cards rates on its site
Rates and branches - 12.74%APRas low as
Terms
Standard APR as low as 12.74% based on credit score. Max credit limit $25,000.
Credit card score 69 · Carrot Score 85
Rate checked · Credit cards rates on its site
Rates and branches - 14.00%APRas low as
Terms
Save on purchases. Variable APR as low as 14.00%. Subject to approval based on creditworthiness. No annual fee. Foreign transaction fee 2.00%.
Credit card score 63 · Carrot Score 87
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 - 19.24%APRas low as · up to 28.24%
19.24% APR, up to 28.24%
Terms
$99 annual fee after the first 12 months. Variable APR based on Prime Rate and creditworthiness.
Credit card 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 Troy, MI
12 banks and credit unions · checked Oct 5–17
- Typical
- 11.12%
- Top 10% up to
- 9.03%
- Banks, typical
- 18.86%
- Credit unions, typical
- 9.95%
How does your bank’s rate compare?
Find your bank or credit union to see all its rates and how they compare near you.
Detroit, MI metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Chief Financial Credit UnionCredit union · 4 branches
- Extra Credit UnionCredit union · 2 branches
- Christian Financial Credit UnionCredit union · 12 branches