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 31–45 of 47 in Kentucky · median 11.75% APR
- 12.99%APRas low as
Credit card score 67 · Carrot Score 89
Rate checked · Credit cards rates on its site
Rates and branches - 13.00%APRas low as · up to 15.00%
13.00% APR, up to 15.00%
Terms
APRs are variable and determined by adding 6.00% to 8.00% to the Prime Rate in effect at the time of account opening. Current APRs based on Prime Rate as of 10-9-2026. Minimum credit limit $5,000. Subject to credit approval.
Credit card score 66 · Carrot Score 90
Rate checked · Credit cards rates on its site
Rates and branches - 13.00%APRas low as
Credit card score 66 · Carrot Score 88
Rate checked · Credit cards rates on its site
Rates and branches - 13.49%APRas low as · up to 18.00%
13.49% APR, up to 18.00%
Terms
Credit limit: $300 - $40,000. All loans are subject to approval. Rates, terms, and conditions are subject to change.
Credit card score 66 · Carrot Score 88
Rate checked · Credit cards rates on its site
Rates and branches - 13.49%APRas low as
Terms
Variable purchase APR adjusts to 14.99% APR after the Intro period. Calculated as Prime Rate (7.00% as of 9/17/2026) + 6.49% margin (Maximum APR 24.00%).
Credit card score 66
Rate checked · Credit cards rates on its site
Rates and branches - Delta Community Credit UnionVisa Platinum Rewards Credit Card · No annual fee
Credit union · 1 branch
13.50%APRas low as · up to 17.50%13.50% APR, up to 17.50%
Terms
Variable Rate. Availability of rates based on creditworthiness and other factors. Credit line up to $50,000.
Credit card score 65 · Carrot Score 88
Rate checked · Credit cards rates on its site
Rates and branches - 13.90%APRas low as
Terms
Credit score 600 - 639 (C); eligible limit $3000.00
Credit card score 64 · Carrot Score 89
Rate checked · Credit cards rates on its site
Rates and branches - 13.99%APRas low as
Terms
Variable ongoing APR for purchases, balance transfers, and cash advances determined by adding 6.99% to Prime Rate. Account will never have an APR over 21%.
Credit card score 63
Rate checked · Credit cards rates on its site
Rates and branches - 13.99%APRas low as
Terms
Variable APR: Prime + 6.99%, Rate Cap 21%.
Credit card score 63 · Carrot Score 72
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 - 14.00%APRas low as
Terms
Fixed rate that doesn't change. No balance transfer fee, cash advance fee, or foreign transaction fees. Rates are subject to change at any time and are not guaranteed.
Credit card score 63 · Carrot Score 61
Rate checked · Credit cards rates on its site
Rates and branches - 14.90%APRas low as · up to 18.00%
14.90% APR, up to 18.00%
Terms
Standard variable purchase APR of 14.90% to 18.00% based on creditworthiness and qualifications; maximum APR is 18.00%.
Credit card score 62 · Carrot Score 95
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 · 6 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 - 15.49%APRas low as · up to 22.49%
15.49% APR, up to 22.49%
Terms
Purchase APR is 15.49%, 18.49% or 22.49% based on creditworthiness. Variable APR calculated by adding a margin of 8.49% to 15.49% to the Prime Rate (maximum 24.00%).
Credit card score 62 · Carrot Score 61
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
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 Kentucky
47 banks and credit unions · checked Oct 15–22
- Typical
- 11.75%
- Top 10% up to
- 9.30%
- Banks, typical
- 13.99%
- Credit unions, typical
- 10.94%
How does your bank’s rate compare?
Find your bank or credit union to see all its rates and how they compare near you.
Kentucky
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Commonwealth Credit UnionCredit union · 18 branches
- Brown Forman Employees Credit UnionCredit union · 1 branch
- Members Heritage CUCredit union · 5 branches