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 16–29 of 29 in West Virginia · median 12.50% APR
- 12.75%APRas low as
Terms
Credit score 730+ (Grade A+). Automatic Transfer/ACH and protection discounts may reduce rate up to max discount of 0.50%.
Credit card score 69 · Carrot Score 84
Rate checked · Credit cards rates on its site
Rates and branches - First Choice America Community Federal Credit UnionVISA Gold · No annual fee
Credit union · 6 branches
12.75%APRas low asTerms
Annual Percentage Rate (APR) for Purchases. Grace period of at least 25 days with no interest on purchases if entire balance paid by due date each month.
Credit card score 69 · Carrot Score 74
Rate checked · Credit cards rates on its site
Rates and branches - 12.80%APRas low as
Terms
APR as low as 12.80%. Non-variable rate. No annual or balance transfer fees. 25-day grace period for purchases. Credit limits up to $10,000.
Credit card score 69 · Carrot Score 63
Rate checked · Credit cards rates on its site
Rates and branches - 12.90%APRas low as
Terms
Interest rate may vary depending on creditworthiness and term of loan. No annual fee at this time.
Credit card score 67
Rate checked · Credit cards rates on its site
Rates and branches - 12.99%APRas low as
Terms
Low Variable Rates. Up to $10,000 limit available. 25-day grace period. *All loans subject to approval based upon creditworthiness, qualifications and collateral conditions. Rates subject to change without notice.
Credit card score 67 · Carrot Score 64
Rate checked · Credit cards rates on its site
Rates and branches - 12.99%APRas low as
Credit card score 67 · 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 - 13.90%APRas low as · up to 18.00%
13.90% APR, up to 18.00%
Terms
Variable ongoing APR based on the highest Prime Rate in WSJ Money Rates; maximum APR is 18.00%.
Credit card score 64 · Carrot Score 69
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 - 15.00%APRas low as
Terms
Card limit of $5,000 or greater. Regular variable rate determined based on Wall Street Journal Prime + 8%.
Credit card score 62 · Carrot Score 78
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 - 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 - 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 West Virginia
29 banks and credit unions · checked Oct 16–22
- Typical
- 12.50%
- Top 10% up to
- 9.20%
- Banks, typical
- 14.50%
- Credit unions, typical
- 11.99%
How does your bank’s rate compare?
Find your bank or credit union to see all its rates and how they compare near you.
West Virginia
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- CommunityAmerica Credit UnionCredit union · 1 branch
- First Peoples Community Federal Credit UnionCredit union · 2 branches
- WEPCO Federal Credit UnionCredit union · 2 branches