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 1–14 of 14 in Knoxville, TN · median 11.88% APR
- 9.50%APRas low as · up to 13.50%
9.50% APR, up to 13.50%
Terms
Rates are fixed and based on creditworthiness.
Credit card score 87 · Carrot Score 82
Rate checked · Credit cards rates on its site
Rates and branches - 9.75%APRas low as
Terms
Variable rates may change at consummation.
Credit card score 87 · Carrot Score 87
Rate checked · Credit cards rates on its site
Rates and branches - 9.90%APRas low as · up to 15.90%
9.90% APR, up to 15.90%
Terms
Ongoing rate for qualifying applicants. 25-day grace period on purchases. Rate will not increase for missed payment.
Credit card score 84 · Carrot Score 71
Rate checked · Credit cards rates on its site
Rates and branches - 9.99%APRas low as · up to 18.00%
9.99% APR, up to 18.00%
Terms
Standard rate based on creditworthiness.
Credit card score 82 · Carrot Score 99
Rate checked · Credit cards rates on its site
Rates and branches - 10.90%APRas low as
Terms
Variable APR based on Prime Rate + 3.9%. Applies to purchases, balance transfers, and cash advances.
Credit card score 79
Rate checked · Credit cards rates on its site
Rates and branches - 10.90%APRas low as
Terms
Standard fixed rate APR based on credit worthiness.
Credit card score 79 · Carrot Score 74
Rate checked · Credit cards rates on its site
Rates and branches - 11.75%APRas low as
Terms
Revolving term / up to $25,000 credit limit. No annual cash advance or balance transfer fee. Minimum monthly payment is 2% of outstanding balance or $25.00. 25-day grace period on purchases.
Credit card score 74 · Carrot Score 78
Rate checked · Credit cards rates on its site
Rates and branches - 12.00%APRas low as
Terms
APR is based on credit score.
Credit card score 72 · Carrot Score 65
Rate checked · Credit cards rates on its site
Rates and branches - 12.00%APRas low as
Terms
Standard APR as low as 12.00%. No annual fee, no balance transfer fee, no application fee.
Credit card score 72 · Carrot Score 81
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 - Y-12 Federal Credit UnionVisa Signature Rewards Credit Card · No annual fee
Credit union · 3 branches
15.24%APRas low as · up to 18.00%15.24% APR, up to 18.00%
Terms
Standard variable APR for purchases based on creditworthiness when account is opened. Varies with the market based on the Prime Rate. Subject to credit approval.
Credit card score 62 · Carrot Score 72
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 - 26.74%APRas low as
Terms
Standard APR for Purchases varies with the market based on WSJ Prime Rate + margin of 19.74%.
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 Knoxville, TN
14 banks and credit unions · checked Oct 15–22
- Typical
- 11.88%
- Top 10% up to
- 9.80%
- Banks, typical
- 13.99%
- Credit unions, typical
- 10.90%
How does your bank’s rate compare?
Find your bank or credit union to see all its rates and how they compare near you.
Knoxville, TN metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Knoxville TVA Employees Credit UnionCredit union · 15 branches
- Enrichment Federal Credit UnionCredit union · 8 branches
- Knoxville Law Enforcement Federal Credit UnionCredit union · 1 branch