topic Re: Best CU credit card APRs? in Credit Cards

Best CU credit card APRs?

Anonymous — Wed, 27 May 2015 03:21:48 GMT

Just curious what are some of the better APRs you have received from your CU? Is it a rewards card, etc? I realize i could probably google thousands of local credit unions and search their lending page for APRs but thought this might be easier. Thanks in advance.

Re: Best CU credit card APRs?

Anonymous — Wed, 27 May 2015 03:22:52 GMT

@Anonymous wrote:
Just curious what are some of the better APRs you have received from your CU? Is it a rewards card, etc? I realize i could probably google thousands of local credit unions and search their lending page for APRs but thought this might be easier. Thanks in advance.

14.65% on my Navy Federal CashRewards

@Anonymous AMEX Blue Sky has a better APR @ 11.50%..

Re: Best CU credit card APRs?

ksantangelo23 — Wed, 27 May 2015 03:28:20 GMT

Lake Michigan Creidt Union has a pretty nice 6.25% rate card. But my lowest rate card is my Surpass at 11.40%

Off topic: Ive also been really itching to join LMCU to take advantage of their 3% APY checking, only thing stopping me is they want a HP on my TU report

Re: Best CU credit card APRs?

Anonymous — Wed, 27 May 2015 03:28:34 GMT

@Anonymous wrote:
@Anonymous wrote:
Just curious what are some of the better APRs you have received from your CU? Is it a rewards card, etc? I realize i could probably google thousands of local credit unions and search their lending page for APRs but thought this might be easier. Thanks in advance.
14.65% on my Navy Federal CashRewards

@Anonymous AMEX Blue Sky has a better APR @ 11.50%..

I found out I was Navy Federal eligible TWO DAYS after freezing my reports. I guess I should still open the account and wait on a cc?

I received 8.9% from my university FCU and was pretty excited until I realized they gave me the card with no cash rewards! So I'm just curious how all this stacks up. Thanks so much for your input, Nixon.

Re: Best CU credit card APRs?

Anonymous — Wed, 27 May 2015 03:30:31 GMT

@ksantangelo23 wrote:
Lake Michigan Creidt Union has a pretty nice 6.25% rate card. But my lowest rate card is my Surpass at 11.40%

Off topic: Ive also been really itching to join LMCU to take advantage of their 3% APY checking, only thing stopping me is they want a HP on my TU report

Dang, 6.25%! Do you know if this card has rewards of any type?

Edit: thanks for your response!

Re: Best CU credit card APRs?

Anonymous — Wed, 27 May 2015 03:30:08 GMT

@ksantangelo23 wrote:
Lake Michigan Creidt Union has a pretty nice 6.25% rate card. But my lowest rate card is my Surpass at 11.40%

Off topic: Ive also been really itching to join LMCU to take advantage of their 3% APY checking, only thing stopping me is they want a HP on my TU report

If you're gardening, Opening a CU bank account/checking doesn't reset garden date. No need to fear that HP.

Re: Best CU credit card APRs?

Anonymous — Wed, 27 May 2015 03:30:34 GMT

14.24% on my Logix Federal Credit Union Platinum Card.

Re: Best CU credit card APRs?

ksantangelo23 — Wed, 27 May 2015 03:31:40 GMT

@Anonymous wrote:
@ksantangelo23 wrote:
Lake Michigan Creidt Union has a pretty nice 6.25% rate card. But my lowest rate card is my Surpass at 11.40%

Off topic: Ive also been really itching to join LMCU to take advantage of their 3% APY checking, only thing stopping me is they want a HP on my TU report
If you're gardening, Opening a CU bank account/checking doesn't reset garden date. No need to fear that HP.

Right, but you wont find 3% checking anywhere else. Best ive found after a ton of research was 2.0x% out of my service area, after that its the .90 - 1.05% rates.

Re: Best CU credit card APRs?

dabrian — Wed, 27 May 2015 03:32:04 GMT

7.5 on my NCSECU card.

Re: Best CU credit card APRs?

Anonymous — Wed, 27 May 2015 03:33:47 GMT

@dabrian wrote:
7.5 on my NCSECU card.

Might I please ask what score/credit grade you have/had to get that rate? Thanks for your input!

Re: Best CU credit card APRs?

ksantangelo23 — Wed, 27 May 2015 03:34:12 GMT

@Anonymous wrote:
@ksantangelo23 wrote:
Lake Michigan Creidt Union has a pretty nice 6.25% rate card. But my lowest rate card is my Surpass at 11.40%

Off topic: Ive also been really itching to join LMCU to take advantage of their 3% APY checking, only thing stopping me is they want a HP on my TU report
Dang, 6.25%! Do you know if this card has rewards of any type?

Edit: thanks for your response!

Just a barebones credit card. Prime rate + 3%, no BT fees.

Re: Best CU credit card APRs?

Anonymous — Wed, 27 May 2015 03:35:35 GMT

@ksantangelo23 wrote:
@Anonymous wrote:
@ksantangelo23 wrote:
Lake Michigan Creidt Union has a pretty nice 6.25% rate card. But my lowest rate card is my Surpass at 11.40%

Off topic: Ive also been really itching to join LMCU to take advantage of their 3% APY checking, only thing stopping me is they want a HP on my TU report
If you're gardening, Opening a CU bank account/checking doesn't reset garden date. No need to fear that HP.
Right, but you wont find 3% checking anywhere else. Best ive found after a ton of research was 2.0x% out of my service area, after that its the .90 - 1.05% rates.

Right...so don't let a little HP keep you from earning 3%.

Re: Best CU credit card APRs?

Anonymous — Wed, 27 May 2015 03:41:44 GMT

Nixon - might I also ask you what score/credit grade you had when you received that rate from NFCU? Thanks

Re: Best CU credit card APRs?

Anonymous — Wed, 27 May 2015 03:50:58 GMT

EQ was about the same it is now. TU was 714. Yes, it was a double pull.

Re: Best CU credit card APRs?

Anonymous — Wed, 27 May 2015 03:54:00 GMT

@Anonymous wrote:
EQ was about the same it is now. TU was 714. Yes, it was a double pull.

Ugh! A double pull! Is it always a double pull or are you special?

It just hit me that I could probably search for this topic - but to go with tonight's theme of no searching, I will leave it for now unless you tell me to shove off and search!

Re: Best CU credit card APRs?

Anonymous — Wed, 27 May 2015 04:09:08 GMT

I suspect they couldn't approve for decent CL with just my EQ report, so they went for my TU as well and based my approval off that. ($10,000 SL)

Re: Best CU credit card APRs?

Anonymous — Wed, 27 May 2015 04:15:47 GMT

@Anonymous wrote:
I suspect they couldn't approve for decent CL with just my EQ report, so they went for my TU as well and based my approval off that. ($10,000 SL)

Dammit to freaking heck - 10k??!? UGH. The CU let me "pick my own limit" and not wanting to be greedy I said 2,500. UGH!! Wonder what I could have said......... It's a bad thing if they don't counter. Darn!!!

Re: Best CU credit card APRs?

Anonymous — Wed, 27 May 2015 04:19:00 GMT

They'll counter.

Re: Best CU credit card APRs?

Anonymous — Wed, 27 May 2015 04:22:08 GMT

They flat out told me they would counter and I still only said $2500!!! I should have said $10k!! Damn it!

Re: Best CU credit card APRs?

Anonymous — Wed, 27 May 2015 04:28:50 GMT

If it makes you feel better. They won't approve a SP CLI due to "Sufficient universal revolving credit"