Banks: credit card APR & fees
16 issuers · CFPB TCCP survey, Jul-Dec 2025
This hub covers national and regional banks (outside the top 25) in the survey. Across the 16 banks in the CFPB Terms of Credit Card Plans survey, surveyed purchase APRs run from about 5.99% to 29.99%, median 18.96%. Surveyed terms, not offers.
Source: CFPB Terms of Credit Card Plans (TCCP) Survey. Data as of CFPB TCCP survey, Jul-Dec 2025.
All banks by surveyed APR
| Issuer | Surveyed purchase APR | Median APR | Annual fee | Products |
|---|---|---|---|---|
| United Bank | 5.99% – 21.49% | 15.49% | — | 3 |
| State Bank And Trust Company, The | 6.99% – 21.99% | 13.99% | — | 1 |
| Tlcu Financial | 10% – 21% | 13% | — | 2 |
| Hills Bank And Trust Company | 11.75% – 15.75% | 13.75% | — | 1 |
| Forcht Bank | 12.75% – 24.75% | 21.75% | $295 | 5 |
| Midfirst Bank | 13.74% – 21.74% | 17.74% | — | 1 |
| Solvay Bank | 15.88% | 15.88% | — | 1 |
| Jonah Bank Of Wyoming | 16.25% | 16.25% | $50 | 4 |
| Farm Bureau Bank Fsb | 16.74% – 29.99% | 17.99% | — | 1 |
| First Electronic Bank | 16.74% – 29.99% | 28.46% | — | 1 |
| Tcm Bank | 16.74% – 26.74% | 21.74% | — | 1 |
| Sabine State Bank And Trust Company | 16.8% | 16.8% | $12 | 1 |
| Blue Ridge Bank | 17.49% – 23.49% | 20.49% | — | 1 |
| First State Bank | 18% | 18% | — | 1 |
| First American Bank And Trust | 22.5% | 22.5% | — | 1 |
| Evolve Bank & Trust | 29.49% | 29.49% | $99 | 1 |
Source: CFPB Terms of Credit Card Plans (TCCP) Survey. Data as of CFPB TCCP survey, Jul-Dec 2025.
Blue Ridge Bank · Evolve Bank & Trust · Farm Bureau Bank Fsb · First American Bank And Trust · First Electronic Bank · First State Bank · Forcht Bank · Hills Bank And Trust Company · Jonah Bank Of Wyoming · Midfirst Bank · Sabine State Bank And Trust Company · Solvay Bank · State Bank And Trust Company, The · Tcm Bank · Tlcu Financial · United Bank
Frequently asked questions
What APR do banks charge?
Across the 16 banks in the CFPB survey, surveyed purchase APRs run from about 5.99% to 29.99%, with a median of roughly 18.96%. These are surveyed terms, not offers.
How do these compare to credit unions?
The CFPB found credit unions and small banks charge roughly 8 to 10 percentage points (large vs small issuers, across credit tiers) less than large issuers for the same credit tier. Compare a credit union before applying.
Other issuer types
Sources & accuracy
CFPB Terms of Credit Card Plans (TCCP) Survey, U.S. public domain, CFPB TCCP survey, Jul-Dec 2025. Surveyed terms are not offers. See our methodology.
Last updated: 2026-06-29