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 1–15 of 18 in Raleigh, NC · median 13.45% APR
- 8.95%APRas low as · up to 16.95%
8.95% APR, up to 16.95%
Terms
Non-variable APR for purchases, balance transfers, and cash advances. No annual fee.
Credit card score 89 · Carrot Score 87
Rate checked · Credit cards rates on its site
Rates and branches - ElecTel Cooperative Federal Credit UnionPlatinum Visa® Credit Card · No annual fee
Credit union · 1 branch
9.90%APRas low asTerms
Fixed rate as low as 9.90% APR. Not all members may qualify.
Credit card score 84 · Carrot Score 98
Rate checked · Credit cards rates on its site
Rates and branches - 10.00%APRas low as · up to 16.00%with conditions
10.00% APR, up to 16.00%
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
Fixed rate. Lowest rates reflect a 2% discount for accounts with checking, direct deposit, debit card, home banking, and e-statements. Minimum payment is 2% of balance or $25, whichever is greater. No fee for cash advances.
Credit card score 81 · Carrot Score 86
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 - 10.75%APRas low as · up to 18.00%
10.75% APR, up to 18.00%
Terms
Variable APR ranging from 10.75% to 18.00% based on credit eligibility. No annual fee. Membership requires $5 savings deposit.
Credit card score 80 · Carrot Score 98
Rate checked · Credit cards rates on its site
Rates and branches - 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 - 11.74%APRas low as · up to 21.75%
11.74% APR, up to 21.75%
Terms
As low as 12.65% APR. Variable rate based on Prime Rate plus margin ranging from 4.74% to 14.75%; maximum rate 18.00%.
Credit card score 75 · Carrot Score 87
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 - Carolinas Telco Federal Credit UnionVisa Platinum Low Rate Credit Card · No annual fee
Credit union · 1 branch
13.50%APRas low asTerms
APR as low as 13.50%, varying based on creditworthiness up to 18.00%. No annual fee. Terms may vary.
Credit card score 65 · Carrot Score 91
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 - 16.75%APRas low as · up to 18.00%
16.75% APR, up to 18.00%
Terms
Variable APR subject to change quarterly based on the first 6-month Treasury Bill Auction plus a margin of 12.5%. No minimum interest rate, maximum rate of 18.00% Variable APR. No Annual Maintenance Fee. Grace period for purchases if balance is paid in full each month. No Cash Advance Fee.
Credit card score 61 · Carrot Score 85
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 Raleigh, NC
18 banks and credit unions · checked Oct 16–22
- Typical
- 13.45%
- Top 10% up to
- 9.97%
- Banks, typical
- 15.74%
- Credit unions, typical
- 11.25%
How does your bank’s rate compare?
Find your bank or credit union to see all its rates and how they compare near you.
Raleigh, NC metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Langley Credit UnionCredit union · 1 branch
- ElecTel Cooperative Federal Credit UnionCredit union · 2 branches
- Coastal Credit UnionCredit union · 15 branches