TellerScore

CFPB survey · period ending December 31, 2025

Credit card APRs & fees by issuer

Terms for 663 credit card plans from 195 banks and credit unions, as reported to the Consumer Financial Protection Bureau. The median purchase APR across all plans is 23.49%; at the 25 largest issuers it is 25.99%, versus 14.50% at smaller banks and credit unions.

Plans surveyed
663
Median purchase APR
23.49%
Plans with no annual fee
82%
Median late fee
$29

Largest issuers

IssuerPlansLowest APRMedian APRNo-fee plans
First National Bank Of Omaha5415.49%26.36%43
Capital One, National Association5314.90%27.24%48
Citibank, N.A.4216.49%32.49%37
Barclays Bank Delaware3517.49%25.24%21
Jpmorgan Chase Bank, National Association3116.74%27.49%13
Comenity Capital Bank2417.74%9.99%23
Synchrony Financial2417.74%29.78%21
Bank Of America, National Association2313.49%22.24%16
American Express National Bank2018.24%27.11%4
Wells Fargo Bank, National Association1115.99%28.49%8
Credit One Bank, National Association1128.74%29.99%4
Comenity Bank1017.74%22.99%9
Merrick Bank821.95%29.49%4
Usaa Federal Savings Bank810.65%24.65%7
Td Bank, National Association717.24%23.99%3
Navy Federal Credit Union710.49%16.45%6
Pentagon Federal Credit Union617.99%17.99%5
Truist Bank613.74%21.74%4
Fifth Third Bank, National Association58.99%25.99%4
Citizens Bank, National Association515.74%23.49%3
U.S. Bancorp516.49%24.49%5
Boeing Employees' Credit Union412.74%21.11%4
Pnc Bank, National Association418.49%26.11%4
Stride Bank, National Association39.24%20.49%3
Regions Bank118.49%25.49%1
Td Bank Usa, National Association128.45%28.70%1
America First Federal Credit Union114.99%18.00%1
Goldman Sachs Bank Usa117.49%23.24%1

All issuers (A–Z)

IssuerPlansLowest APRMedian APRNo-fee plans
1st Community Federal Credit Union1——1
360 Federal Credit Union43.99%3.99%4
Achieve Financial Credit Union19.90%13.90%1
Advanced Financial Federal Credit Union114.24%15.24%1
Alabama State Employees Credit Union1——1
Alcoa Community Federal Credit Union17.99%9.99%1
Align Credit Union111.75%13.75%1
Allegius Federal Credit Union19.95%12.95%1
Altonized Community Federal Credit Union1——1
America First Federal Credit Union114.99%18.00%1
American Express National Bank2018.24%27.11%4
Apl Federal Credit Union16.49%10.49%1
Arkansas Best Federal Credit Union110.00%11.50%1
Arkansas Federal Credit Union19.50%16.04%1
Associated Healthcare Credit Union212.99%16.49%2
Avadian Credit Union30.00%0.00%3
Bangor Savings Bank10.17%0.19%1
Bank Of America, National Association2313.49%22.24%16
Barclays Bank Delaware3517.49%25.24%21
Bellwether Community Credit Union212.99%17.55%2
Blucurrent Credit Union29.90%11.90%2
Blue Ridge Bank, National Association117.49%20.49%1
Bluestone Federal Credit Union110.25%12.50%1
Boeing Employees' Credit Union412.74%21.11%4
Capital Credit Union115.49%21.49%1
Capital One, National Association5314.90%27.24%48
Carolina Cooperative Federal Credit Union3——3
Central Willamette Credit Union110.24%13.75%1
Century Bank1——1
Champion Credit Union210.00%12.50%2
Chiropractic Federal Credit Union19.90%9.90%1
Citibank, N.A.4216.49%32.49%37
Citizens Bank, National Association515.74%23.49%3
Coloramo Federal Credit Union37.90%12.49%3
Comenity Bank1017.74%22.99%9
Comenity Capital Bank2417.74%9.99%23
Community Resource Credit Union115.24%16.24%1
Communityamerica Federal Credit Union111.99%17.99%1
Cpm Federal Credit Union110.99%13.99%1
Credit One Bank, National Association1128.74%29.99%4
Credit Union For All, The29.99%13.49%2
Credit Union Of New Jersey111.65%13.65%1
Cu Hawaii Federal Credit Union111.00%13.00%1
Cyprus Federal Credit Union110.49%12.49%1
Dakotaland Federal Credit Union19.90%11.90%1
Del-One Federal Credit Union413.25%16.07%4
Delta Community Credit Union113.25%15.25%1
Destinations Credit Union19.50%9.50%1
Down East Credit Union111.90%14.90%1
Eastrise Federal Credit Union111.00%16.50%1
Educators Credit Union210.90%16.07%2
Electel Cooperative Federal Credit Union19.90%13.90%1
Elevations Credit Union211.74%18.42%1
Empower Blue Credit Union14.00%11.00%1
Evolve Bank & Trust129.49%29.49%0
Farm Bureau Bank Fsb116.74%17.99%1
Fifth Third Bank, National Association58.99%25.99%4
First American Bank And Trust122.50%22.50%1
First American Credit Union13.99%9.99%0
First Electronic Bank116.74%28.46%1
First Federal Credit Union1——1
First National Bank Of Omaha5415.49%26.36%43
First State Bank118.00%18.00%1
Firstmark Credit Union115.25%16.25%1
Florida West Coast Credit Union1——1
Forcht Bank, National Association512.75%21.75%3
Gecu Federal Credit Union211.90%14.95%2
Georgia'S Own Credit Union117.74%17.99%1
Goldman Sachs Bank Usa117.49%23.24%1
Greater Pittsburgh Police Federal Credit Union18.99%8.99%1
Greenville Federal Credit Union313.49%15.74%2
Greenwood Credit Union112.49%15.74%1
Grow Financial Federal Credit Union110.49%13.49%1
Gundersen Credit Union18.90%8.90%1
Hanscom Federal Credit Union111.99%15.99%1
Harvard Federal Credit Union413.24%15.37%4
High Point Federal Credit Union111.50%14.50%1
Hills Bank And Trust Company111.75%13.75%1
Homeland Credit Union, Inc.23.00%10.99%1
Hoosier Heartland State Bank1——1
Horizon Credit Union117.50%20.00%1
Idaho Central Credit Union111.24%14.27%1
Illinois Educators Credit Union114.90%14.90%1
Iq Credit Union1——1
Jonah Bank Of Wyoming416.25%16.25%2
Joplin Metro Credit Union410.90%12.20%4
Jovia Financial Federal Credit Union211.49%16.99%2
Jpmorgan Chase Bank, National Association3116.74%27.49%13
Kings Federal Credit Union18.95%12.30%1
Kirtland Federal Credit Union39.75%12.25%3
Lake Trust Credit Union1——1
Landings Credit Union19.25%12.25%1
Langley Federal Credit Union110.50%12.50%1
Latino Community Credit Union211.25%13.75%2
Lighthouse Federal Credit Union112.49%12.49%1
Long Reach Federal Credit Union110.90%10.90%1
M.P.D. Community Credit Union10.00%0.00%1
Magnolia Federal Credit Union18.75%11.75%1
Maine Highlands Federal Credit Union1——1
Matanuska Valley Federal Credit Union211.00%13.50%2
Maui County Federal Credit Union37.00%14.50%3
Maui Federal Credit Union26.99%10.57%2
Meridian Trust Federal Credit Union112.00%12.00%1
Merrick Bank821.95%29.49%4
Mid American Credit Union79.90%9.90%7
Mid Carolina Credit Union17.45%12.95%1
Midfirst Bank113.74%17.74%1
Mirastar Federal Credit Union114.99%14.99%1
Mission Federal Credit Union113.99%15.99%1
N A E Federal Credit Union18.99%10.49%1
Navy Federal Credit Union710.49%16.45%6
Nih Federal Credit Union111.99%13.99%1
North Country Federal Credit Union16.45%11.95%1
North Star Community Credit Union111.00%12.00%1
Novation Credit Union1——1
Nuvista Federal Credit Union1——1
Oklahoma Educators Credit Union29.49%11.45%2
Oklahoma'S Credit Union113.49%14.49%1
Omaha Police Federal Credit Union18.99%12.99%1
On Tap Credit Union1——1
One Nevada Credit Union111.75%16.25%1
Ontario Shores Federal Credit Union1——1
Oregon State Credit Union1——1
Orlando Credit Union313.24%16.12%3
Park City Credit Union211.00%13.50%2
Pathways Financial Credit Union, Inc.111.49%13.20%1
Pennsylvania Central Federal Credit Union19.90%9.90%1
Pennsylvania State Employees Cu112.90%12.90%1
Pentagon Federal Credit Union617.99%17.99%5
Pnc Bank, National Association418.49%26.11%4
Police Federal Credit Union5——5
Premier America Credit Union111.99%13.99%1
Priority First Federal Credit Union18.90%10.90%1
Proponent Federal Credit Union111.50%15.00%1
Publix Employees Federal Credit Union29.90%9.90%2
Ravalli County Federal Credit Union19.90%9.90%1
Ravenswood Federal Credit Union112.90%12.90%1
Red Canoe Credit Union34.90%15.90%3
Regions Bank118.49%25.49%1
Rhode Island Credit Union1——1
River Valley Credit Union17.50%9.50%1
Rivermark Community Credit Union1——1
Sabine State Bank And Trust Company116.80%16.80%0
Sacramento Credit Union111.50%13.40%1
Sandia Area Federal Credit Union18.49%11.99%1
Schoolsfirst Federal Credit Union410.00%13.95%4
Scott Credit Union111.90%15.50%1
Security Service Federal Credit Union110.99%10.99%1
Service Federal Credit Union117.65%17.83%1
Siouxland Federal Credit Union19.49%9.49%1
Smw Financial Credit Union112.99%15.79%1
Solvay Bank115.88%15.88%1
Southern Credit Union, The111.90%11.90%1
Southern Security Federal Credit Union113.75%15.97%1
Southland Credit Union1——1
Southpoint Financial Credit Union17.00%16.25%1
Southwest 66 Credit Union313.49%15.87%3
State Bank And Trust Company, The16.99%13.99%1
Statewide Federal Credit Union19.95%14.95%1
Stride Bank, National Association39.24%20.49%3
Summit Credit Union38.95%11.95%3
Sun East Federal Credit Union212.49%14.99%2
Sunmark Credit Union411.49%17.49%4
Sunwest Federal Credit Union3——3
Synchrony Financial2417.74%29.78%21
Tcm Bank, National Association116.74%21.74%1
Td Bank Usa, National Association128.45%28.70%1
Td Bank, National Association717.24%23.99%3
Texans Credit Union113.65%15.82%1
Three Rivers Federal Credit Union114.95%16.95%1
Tidemark Federal Credit Union111.50%16.40%1
Tinker Federal Credit Union13.99%3.99%1
Tlcu Financial210.00%13.00%2
Tongass Federal Credit Union29.95%11.45%2
Tru Federal Credit Union17.99%10.99%1
Trugrocer Federal Credit Union116.90%16.90%1
Truist Bank613.74%21.74%4
Tucson Federal Credit Union114.00%14.50%1
U.S. Bancorp516.49%24.49%5
Unison Credit Union29.99%11.49%2
United Bank35.99%15.49%3
United Consumers Credit Union212.24%15.36%2
United Savings Credit Union112.25%16.42%1
University Of Kentucky Federal Credit Union110.74%14.37%1
Usaa Federal Savings Bank810.65%24.65%7
Usf Federal Credit Union311.99%15.49%3
Valley Strong Credit Union112.75%16.75%1
Vantage Credit Union112.49%14.74%1
Wave Federal Credit Union111.99%11.99%1
Webbank129.99%32.99%0
Wells Fargo Bank, National Association1115.99%28.49%8
Westmark Credit Union310.75%16.75%3
Weststar Credit Union111.24%12.24%1
Whatcom Educational Credit Union114.24%17.24%1
Wyhy Federal Credit Union311.90%14.71%3