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 48 in Massachusetts · median 10.94% APR
- 11.99%APRas low as
Terms
Rates shown are lowest possible rates currently offered; other rates available based on credit profile and loan terms. Minimum payment is 2.5% of outstanding balance or $15.00, whichever is greater. Same low rate for purchases, balance transfers, and cash advances.
Credit card score 72 · Carrot Score 99
Rate checked · Credit cards rates on its site
Rates and branches - Stoneham Municipal Employees Federal Credit UnionVisa Platinum "First Time" Credit Card Owners · No annual fee
Credit union · 4 branches
11.99%APRas low asTerms
Revolving credit; limit up to $300; cash advances @ 13.99%; Requirements: 18 years or older, full-time employment for 90 days, no credit history (excluding student loans)
Credit card score 72 · Carrot Score 89
Rate checked · Credit cards rates on its site
Rates and branches - 11.99%APRas low as
Credit card score 72 · Carrot Score 84
Rate checked · Credit cards rates on its site
Rates and branches - 12.24%APRas low as · up to 18.00%
12.24% APR, up to 18.00%
Terms
Includes balance transfers and cash advances. Credit lines from $500 to $25,000.
Credit card score 71 · Carrot Score 86
Rate checked · Credit cards rates on its site
Rates and branches - 12.25%APRas low as
Terms
Variable APR as low as WSJ Prime + 5.25% or higher (currently 12.25% variable APR based on WSJ Prime of 7.00% as of September 16, 2026). Same rate applies to purchases, cash advances & balance transfers (after intro). No cash advance fees. Rates can change monthly.
Credit card score 71 · Carrot Score 70
Rate checked · Credit cards rates on its site
Rates and branches - 12.49%APRas low as · up to 18.00%
12.49% APR, up to 18.00%
Terms
Rate options: 12.49%, 12.74%, 14.74%, or 18.00% based on creditworthiness. Applies to purchases, balance transfers, and cash advances. Variable APR based on Prime Rate.
Credit card score 70 · Carrot Score 97
Rate checked · Credit cards rates on its site
Rates and branches - 12.50%APRas low as · up to 18.00%
12.50% APR, up to 18.00%
Terms
Variable APR based on the Prime Lending Rate published in the Wall Street Journal on the last business day of the month; will not exceed 18% APR.
Credit card score 70 · Carrot Score 89
Rate checked · Credit cards rates on its site
Rates and branches - 12.74%APRas low as · up to 17.74%
12.74% APR, up to 17.74%
Terms
Variable APR based on creditworthiness for purchases, adjusted on first day of each billing cycle by adding 5.74%, 8.74%, or 10.74% margin to The Wall Street Journal Prime Rate as published on the last business day of preceding calendar month. Maximum rate is 18.00% APR.
Credit card score 69 · Carrot Score 65
Rate checked · Credit cards rates on its site
Rates and branches - 12.75%APRas low as · up to 18.00%
12.75% APR, up to 18.00%
Terms
The standard variable rate will apply to all purchase balances after the introductory period. Current rates vary between 12.75% - 18.00%.
Credit card score 69 · Carrot Score 72
Rate checked · Credit cards rates on its site
Rates and branches - 12.90%APRas low as
Terms
Fixed interest rate for all purchases and cash advances. $0.50 minimum finance charge, 25 day grace period.
Credit card score 67 · Carrot Score 93
Rate checked · Credit cards rates on its site
Rates and branches - 13.50%APRas low as · up to 17.50%
13.50% APR, up to 17.50%
Terms
Variable rates subject to change. Rates are based on an index of Prime Rate (7.00%) plus a margin of 6.50%, 7.50%, 8.50%, or 10.50% based on your credit score.
Credit card score 65 · Carrot Score 89
Rate checked · Credit cards rates on its site
Rates and branches - Ukrainian Federal Credit UnionUFCU Everyday Rewards Visa Card · No annual fee
Credit union · 1 branch
13.50%APRas low as · up to 18.00%13.50% APR, up to 18.00%
Terms
For purchases and balance transfers. Starting as low as Prime + 6.5%.
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 - 13.74%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 - 15.00%APRas low as
Terms
Purchase rate. Variable rate account with a revolving line of credit. Periodic rate of 1.2500% valid on new purchases. Minimum payment is 3% of total new balance or $25.00, whichever is greater.
Credit card score 61 · Carrot Score 65
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 Massachusetts
48 banks and credit unions · checked Oct 15–22
- Typical
- 10.94%
- Top 10% up to
- 8.96%
- Banks, typical
- 13.74%
- 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.
Massachusetts
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Hanscom Federal Credit UnionCredit union · 14 branches
- USALLIANCE FinancialCredit union · 1 branch
- The Village BankBank · 10 branches