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 53 in Oregon · median 11.95% APR
- 12.50%APRas low as
Terms
Fixed rate. APR tiered based upon credit worthiness of the borrowers and other criteria. No annual, monthly maintenance, balance transfer, or cash advance fees.
Credit card score 70 · Carrot Score 70
Rate checked · Credit cards rates on its site
Rates and branches - 12.65%APRas low as · up to 21.25%
12.65% APR, up to 21.25%
Terms
APR is 12.65% to 21.25% when you open your account; after that, APR will vary with the market based on the prime rate. Rate is based on credit qualification and the VISA Credit Card selected. No interest charged on purchases if entire new purchase balance is paid by the due date each month.
Credit card score 69 · Carrot Score 77
Rate checked · Credit cards rates on its site
Rates and branches - 12.65%APRas low as
Terms
Revolving regular APR.
Credit card score 69 · Carrot Score 70
Rate checked · Credit cards rates on its site
Rates and branches - 12.90%APRas low as
Terms
Rates are available for members with A+ beacon scores and may vary based on credit.
Credit card score 67 · Carrot Score 79
Rate checked · Credit cards rates on its site
Rates and branches - 12.90%APRas low as
Terms
28-day grace period on purchases. Average daily balance method (including new purchases).
Credit card score 67 · Carrot Score 64
Rate checked · Credit cards rates on its site
Rates and branches - 12.99%APRas low as · up to 22.99%
12.99% APR, up to 22.99%
Terms
Variable APR thereafter based on creditworthiness. $0 intro annual fee for the first year, then $49/year.
Credit card score 64 · Carrot Score 81
Rate checked · Credit cards rates on its site
Rates and branches - 13.25%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
Rates as low as 13.25% APR. Rates reflect maximum discount of 1.25%. Actual APR based on borrower's credit history, location, and term. Subject to credit approval. Same rate applies to purchases, cash advances, and balance transfers.
Credit card score 66 · Carrot Score 89
Rate checked · Credit cards rates on its site
Rates and branches - 13.49%APRas low as · up to 18.25%
13.49% APR, up to 18.25%
Terms
Variable APR for purchases based on the Prime Rate. No annual fee.
Credit card score 66 · Carrot Score 62
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 - 13.50%APRas low as · up to 22.50%
13.50% APR, up to 22.50%
Terms
Thereafter, variable APR ranges from 13.50% to 22.50% based on a margin and creditworthiness, varying with the market based on the Prime Rate published in The Wall Street Journal. Accurate as of 10/07/2026.
Credit card score 65 · Carrot Score 63
Rate checked · Credit cards rates on its site
Rates and branches - 13.65%APRas low as · up to 18.00%
13.65% APR, up to 18.00%
Terms
Variable APR determined by credit qualifications/creditworthiness. 25-day grace period on purchases (excluding cash advances). Rates current as of October 22, 2026 and subject to change. Cash advance fee is 3% ($10 minimum). Balance transfer fee is $0.
Credit card score 65 · 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 - 13.90%APRas low as
Terms
Fixed rate; no annual fees
Credit card score 64 · Carrot Score 69
Rate checked · Credit cards rates on its site
Rates and branches - 13.95%APRas low as
Terms
Fixed APR of 13.95% applies to purchases, cash advances, and balance transfers. 25-day grace period for purchases.
Credit card score 64 · Carrot Score 86
Rate checked · Credit cards rates on its site
Rates and branches - 14.00%APRas low as · up to 23.75%
14.00% APR, up to 23.75%
Terms
Currently as low as 14.00% APR (Prime + 7.00% to Prime + 16.75% APR). Variable rate based on Prime Rate and credit score. Revolving term.
Credit card score 63 · Carrot Score 81
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 Oregon
53 banks and credit unions · checked Oct 16–22
- Typical
- 11.95%
- Top 10% up to
- 9.90%
- Banks, typical
- 16.74%
- Credit unions, typical
- 11.37%
How does your bank’s rate compare?
Find your bank or credit union to see all its rates and how they compare near you.
Oregon
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Valley Credit UnionCredit union · 1 branch
- Sage Credit UnionCredit union · 5 branches
- Ironworkers USA Credit UnionCredit union · 1 branch