Credit card APR for good credit (620–719)
Credit score 620 to 719 · fair to good credit · CFPB TCCP survey, Jul-Dec 2025
With good credit (620–719) (a score of 620 to 719), the CFPB survey median purchase APR was 28.2% at large issuers and 18.15% at small banks and credit unions. The card quotes an APR range and places you within it based on your score and the issuer's underwriting. These are surveyed medians, not an offer.
Source: CFPB Terms of Credit Card Plans (TCCP) Survey. Data as of CFPB TCCP survey, Jul-Dec 2025.
Median purchase APR for good credit (620–719)
| Issuer size | Median purchase APR |
|---|---|
| Large issuers (top 25) | 28.2% |
| Small banks & credit unions | 18.15% |
Source: CFPB Terms of Credit Card Plans (TCCP) Survey. Data as of CFPB TCCP survey, Jul-Dec 2025.
Issuers reporting the lowest APR for this tier
Issuers that reported a good credit (620–719)-specific median purchase APR, lowest first (of 125 that reported one):
| Issuer | Median APR (good) | Full surveyed range |
|---|---|---|
| Destinations Credit Union | 9.5% | 9.5% – 19.5% |
| Alcoa Community Federal Credit Union | 9.99% | 7.99% – 15.99% |
| First American Credit Union | 9.99% | 3.99% – 18.99% |
| N A E Federal Credit Union | 10.49% | 8.99% – 16.99% |
| Tru Federal Credit Union | 10.99% | 7.99% – 15.99% |
| Champion Credit Union | 11.5% | 10% – 15% |
| Tlcu Financial | 11.5% | 10% – 21% |
| Magnolia Federal Credit Union | 11.75% | 8.75% – 18% |
| Electel Cooperative Federal Credit Union | 11.9% | 9.9% – 17.9% |
| North Country Federal Credit Union | 11.95% | 6.45% – 16.95% |
| Statewide Federal Credit Union | 11.95% | 9.95% – 17.95% |
| Summit Credit Union | 11.95% | 8.95% – 17.95% |
Destinations Credit Union · Alcoa Community Federal Credit Union · First American Credit Union · N A E Federal Credit Union · Tru Federal Credit Union · Champion Credit Union · Tlcu Financial · Magnolia Federal Credit Union · Electel Cooperative Federal Credit Union · North Country Federal Credit Union · Statewide Federal Credit Union · Summit Credit Union
Frequently asked questions
What credit card APR can I get with a 650-700 credit score?
For good credit (620–719), the CFPB survey median purchase APR was 28.2% at large issuers and 18.15% at small banks and credit unions. The card quotes a range and places you within it based on your score; these are surveyed medians, not an offer.
Which issuers report the lowest APR for good credit (620–719)?
Among issuers that reported a tier-specific rate, the lowest for good credit (620–719) include Destinations Credit Union (9.5%), Alcoa Community Federal Credit Union (9.99%), First American Credit Union (9.99%), N A E Federal Credit Union (10.49%). Credit unions dominate the low end because federal credit unions are capped at an 18% APR.
How much can I save by improving my credit?
Moving from poor (28.49%) to great credit (22.99%) at a large issuer cut the median purchase APR by about 5.5 points. On a $5,000 balance that is roughly $275/yr in interest.
Other tiers
Sources & accuracy
CFPB Terms of Credit Card Plans (TCCP) Survey, U.S. public domain, CFPB TCCP survey, Jul-Dec 2025. Surveyed medians are not offers. See our methodology and disclaimer.
Last updated: 2026-06-29