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 1–11 of 11 in Centre County, PA · median 13.74% APR
- Penn State Federal Credit UnionPlatinum Visa Rewards Credit Card · No annual fee
Credit union · 2 branches
8.90%APRas low as · up to 17.90%8.90% APR, up to 17.90%
Terms
APR is determined by credit history and creditworthiness. 25-day grace period.
Credit card score 89 · Carrot Score 85
Rate checked · Credit cards rates on its site
Rates and branches - Timberland Federal Credit UnionTimberland FCU Visa Credit Card · No annual fee
Credit union · 2 branches
9.73%APRas low asTerms
As low as 9.73% APR. No annual fee. No application fee. 25-day grace period on purchases. Subject to credit qualifications.
Credit card score 87 · Carrot Score 85
Rate checked · Credit cards rates on its site
Rates and branches - 9.90%APRas low as
Terms
Purchase rate; Variable Rate.
Credit card score 84 · Carrot Score 84
Rate checked · Credit cards rates on its site
Rates and branches - 11.00%APRas low as
Terms
Standard rate: Wall Street Journal Prime Rate plus 4.00%. No annual fee, no balance transfer fee.
Credit card score 77 · Carrot Score 69
Rate checked · Credit cards rates on its site
Rates and branches - 12.99%APRas low as · up to 18.00%
12.99% APR, up to 18.00%
Terms
Loan rates are based on the creditworthiness of applicants and may vary from those shown.
Credit card score 67 · Carrot Score 66
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 - 13.99%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 - 16.49%APRas low as
Terms
Variable purchase interest rate as low as 16.49% Annual Percentage Rate. Available for those that qualify for a credit line of up to $4,999.
Credit card score 61 · Carrot Score 71
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 - 26.99%APRas low as · up to 28.49%
26.99% APR, up to 28.49%
Terms
Cash Advance APR. Cash advance fees are either $5 or 3% of each cash advance, whichever is greater. Based on 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 Centre County, PA
11 banks and credit unions · checked Oct 16–22
- Typical
- 13.74%
- Top 10% up to
- 9.73%
- Banks, typical
- 16.12%
- Credit unions, typical
- 9.90%
How does your bank’s rate compare?
Find your bank or credit union to see all its rates and how they compare near you.
Pennsylvania
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Americo FCUCredit union · 2 branches
- FirstEnergy Choice FCUCredit union · 1 branch
- PenFed Credit UnionCredit union · 1 branch