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 1–9 of 9 in Rochester, NY · median 13.74% APR
- 10.25%APRas low as · up to 18.00%
10.25% APR, up to 18.00%
Terms
APR determined upon account opening based on creditworthiness, then varies with market based on Prime Rate. Applies to purchases, balance transfers, and cash advances.
Credit card score 81 · Carrot Score 88
Rate checked · Credit cards rates on its site
Rates and branches - Alternatives Federal Credit UnionAlternatives VISA Credit Card · No annual fee
Credit union · 1 branch
10.99%APRas low asTerms
Credit Bureau Score 740+
Credit card score 77 · Carrot Score 69
Rate checked · Credit cards rates on its site
Rates and branches - Rochester & Monroe County Employees Federal Credit UnionVisa Credit Card · No annual fee
Credit union · 2 branches
11.90%APRas low asTerms
Fixed APR. Payment per $1,000 is $30.00. No-fee credit card.
Credit card score 73 · Carrot Score 74
Rate checked · Credit cards rates on its site
Rates and branches - 12.00%APRas low as · up to 17.99%
12.00% APR, up to 17.99%
Terms
Ongoing variable APR for purchases based on creditworthiness: Prime Rate + 5.00% up to Prime Rate + 14.24%. Maximum APR is 17.99% (or 18.00% per rate tables).
Credit card score 72 · Carrot Score 63
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 - 13.75%APRas low as · up to 18.00%
13.75% APR, up to 18.00%
Terms
Rates determined by creditworthiness. Variable rate subject to monthly change based on margin and index.
Credit card score 64 · Carrot Score 65
Rate checked · Credit cards rates on its site
Rates and branches - 13.95%APRas low as
Terms
No annual fee for Tier A & B credit; $20 Annual Fee based on your creditworthiness.(Tier C & D only). Min. Payment of $10.00 or 2% of Balance. No balance transfer fee, no cash advance fee.
Credit card score 63 · Carrot Score 73
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 - 20.74%APRas low as · up to 27.74%
20.74% APR, up to 27.74%
Terms
Variable APR for purchases based on creditworthiness and the Prime Rate.
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 Rochester, NY
9 banks and credit unions · checked Oct 16
- Typical
- 13.74%
- Top 10% up to
- 10.84%
- Banks, typical
- 18.49%
- Credit unions, typical
- 11.95%
How does your bank’s rate compare?
Find your bank or credit union to see all its rates and how they compare near you.
Rochester, NY metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Ontario Shores FCUCredit union · 1 branch
- Pittsford Federal Credit UnionCredit union · 2 branches
- Canandaigua National BankBank · 26 branches