Forcht Bank credit card terms
Bank · 5 products surveyed · CFPB TCCP survey, Jul-Dec 2025
Forcht Bank reported a surveyed purchase APR of 12.75% – 24.75% (median 21.75%) to the CFPB Terms of Credit Card Plans survey, across 5 products. Annual fees on surveyed cards: $295. These are surveyed terms, not an offer — your APR depends on your credit.
Source: CFPB Terms of Credit Card Plans (TCCP) Survey. Data as of CFPB TCCP survey, Jul-Dec 2025.
Forcht Bank surveyed terms at a glance
| Term | Reported value |
|---|---|
| Purchase APR (surveyed range) | 12.75% – 24.75% |
| Median purchase APR | 21.75% |
| Rate type | variable |
| Intro / promo APR offered | Yes |
| Balance-transfer APR (max) | — |
| Cash-advance APR (max) | 24.75% |
| Annual fee | $295 |
| Late fee (median) | $27 |
| Secured card offered | Not reported |
| Products surveyed | 5 |
Source: CFPB Terms of Credit Card Plans (TCCP) Survey. Data as of CFPB TCCP survey, Jul-Dec 2025.
A dash (—) means Forcht Bank did not report that field in the survey.
Forcht Bank purchase APR by credit tier
Median purchase APR Forcht Bank reported for each applicant credit tier. Cards typically quote a range and place you within it based on your credit:
| Your credit tier | Median purchase APR |
|---|---|
| Poor credit (619 or less) | — |
| Good credit (620-719) | 21.75% |
| Great credit (720+) | 20.75% |
Source: CFPB Terms of Credit Card Plans (TCCP) Survey. Data as of CFPB TCCP survey, Jul-Dec 2025.
How Forcht Bank compares
For good credit (620-719), the CFPB median purchase APR was 28.2% at large issuers and 18.15% at small banks and credit unions. Forcht Bank's median of 21.75% sits above the 21% national average APR.
Similar issuers (bank)
| Issuer | Surveyed purchase APR | Median APR | Annual fee |
|---|---|---|---|
| Forcht Bank (this issuer) | 12.75% – 24.75% | 21.75% | $295 |
| Tcm Bank | 16.74% – 26.74% | 21.74% | — |
| First American Bank And Trust | 22.5% | 22.5% | — |
| Blue Ridge Bank | 17.49% – 23.49% | 20.49% | — |
| First State Bank | 18% | 18% | — |
| Farm Bureau Bank Fsb | 16.74% – 29.99% | 17.99% | — |
| Midfirst Bank | 13.74% – 21.74% | 17.74% | — |
Tcm Bank · First American Bank And Trust · Blue Ridge Bank · First State Bank · Farm Bureau Bank Fsb · Midfirst Bank
Frequently asked questions
What is Forcht Bank's credit card APR?
Forcht Bank reported a purchase APR of 12.75% – 24.75% to the CFPB Terms of Credit Card Plans survey (median 21.75%), across 5 surveyed products. Rates are variable. This is a surveyed range, not an offer; your actual APR depends on your credit.
Does Forcht Bank charge an annual fee?
Forcht Bank's surveyed cards carry an annual fee of $295. Many cards from this issuer have a $0 annual fee; premium cards charge more. Verify the specific card.
Is Forcht Bank a good choice for a low APR?
Forcht Bank's surveyed range is 12.75% – 24.75%. Compare it against a credit union, which often offers lower rates (federal credit unions are capped at 18%).
Keep exploring
Sources & accuracy
Terms reported by Forcht Bank (Forcht Bank, National Association) to the CFPB Terms of Credit Card Plans (TCCP) Survey (U.S. public domain, CFPB TCCP survey, Jul-Dec 2025). Surveyed terms are not an offer; your actual APR, fees and approval depend on your creditworthiness. Verify current terms with the issuer. See our methodology and disclaimer.
Last updated: 2026-06-29