topic Re: Credit unions with low rates in Credit Cards

Credit unions with low rates

12njoy — Wed, 21 Oct 2015 04:06:24 GMT

Here's some information that I looked up. Can't vouch for the accuracy and/or age of the data, but thought I'll share.

Prod.	Institution	Purchase APR	Annual Fee	Purchase Grace Days	Cash Advance APR	Cash Advance Fee	Fees and Conditions
Low Interest Cards	VyStar CU Posted: 10/20/2015	9.50	0	25	9.50		Other: Rewards Plus; Earn 1 point for every $1 in qualified purchases with extra points from participating retailers.
Low Interest Cards	Michigan State University Federal CU Posted: 10/20/2015	12.90	0	25	12.90		APRs are an average of a range and will vary depending upon creditowrthiness.
Low Interest Cards	Security Service FCU Posted: 10/20/2015	10.49	0	25	10.49		Members only. APRs are an average of a range and will vary depending upon creditworthiness.
Low Interest Cards	PSECU Posted: 10/20/2015	9.90	0	25	9.90		Available to members only.
Low Interest Cards	PATELCO CU Posted: 10/20/2015	10.15	0	25	15.15		Rewards program available. APRs are an average of a range and will very depending upon creditworthiness.
Low Interest Cards	AmeriCU Posted: 10/20/2015	7.90	0	25	15.90		Members only.
Low Interest Cards	Pentagon Federal Credit Union Posted: 10/20/2015	13.99	0	25	13.99		Rewards option available. APRs may vary depending upon creditworthiness.
Low Interest Cards	PSECU Posted: 10/20/2015	9.90	0	25	9.90		Available to members only.
Low Interest Cards	Suncoast Schools FCU Posted: 10/20/2015	12.90	0	25	14.90		Merchandise: Must be a member. Earn one CU Rewards point for every dollar in purchases. APRs will vary depending upon creditworthiness. Available in lending area only.
Low Interest Cards	America First FCU Posted: 10/20/2015	14.25	0	25	14.25		Members only. APRs are an average of a range and will vary depending upon creditworthiness. Late Fee: 5% of the past due amount but no less than $25.
Low Interest Cards	Affinity FCU Posted: 10/20/2015	8.60	0	25	8.60		Members only. APRs will vary depending upon creditworthiness.
Low Interest Cards	Digital FCU Posted: 10/20/2015	9.99	0	25	9.99		APR may vary depending upon creditworthiness.
Low Interest Cards	State Employees FCU Posted: 10/20/2015	7.75	0	21	7.75		Available to members only. APR may vary based on creditworthiness.
Low Interest Cards	Redstone FCU Posted: 10/20/2015	9.75	0	25	10.00		Available to members only. APRs are an average of a range and will vary depending upon creditworthiness.
Low Interest Cards	America First FCU Posted: 10/20/2015	12.24	0	25	12.24		Members only. APRs are an average of a range and will vary depending upon creditworthiness. Late Fee: 5% of the past due amount but no less than $25.
Low Interest Cards	Pentagon Federal Credit Union Posted: 10/20/2015	12.49	0	25	12.49		PenFed Promise card.
Low Interest Cards	Affinity FCU Posted: 10/20/2015	10.60	0	25	10.60		Student Card: Members only. APRs will vary depending upon creditworthiness.
Low Interest Cards	Redstone FCU Posted: 10/20/2015	18.00	0	25	18.00		Credit limit is the same as deposit. APR may vary depending upon creditworthiness.

= More products
= Contact information

Re: Credit unions with low rates

Anonymous — Wed, 21 Oct 2015 03:27:06 GMT

The manwhocan has a list of credit union cards with the lowest APR. Sticky.

Re: Credit unions with low rates

12njoy — Wed, 21 Oct 2015 03:29:35 GMT

@Anonymous wrote:
The manwhocan has a list of credit union cards with the lowest APR. Sticky.

Thanks. I'm sour on this app I just made without thoroughly researching.

Re: Credit unions with low rates

Anonymous — Wed, 21 Oct 2015 03:31:03 GMT

http://ficoforums.myfico.com/t5/Credit-Cards/Cash-Back-credit-card-charts/td-p/4004725

Re: Credit unions with low rates

12njoy — Wed, 21 Oct 2015 03:35:05 GMT

@Anonymous wrote:
http://ficoforums.myfico.com/t5/Credit-Cards/Cash-Back-credit-card-charts/td-p/4004725

Thanks now those are some low rates

Re: Credit unions with low rates

NRB525 — Wed, 21 Oct 2015 03:49:14 GMT

@12njoy wrote:
@Anonymous wrote:
The manwhocan has a list of credit union cards with the lowest APR. Sticky.
Thanks. I'm sour on this app I just made without thoroughly researching.

it is possible to edit so the headers line up with the columns? They all look like they have $25 annual fees instead of 25 day grace period

Re: Credit unions with low rates

12njoy — Wed, 21 Oct 2015 04:07:37 GMT

@NRB525 wrote:
@12njoy wrote:
@Anonymous wrote:
The manwhocan has a list of credit union cards with the lowest APR. Sticky.
Thanks. I'm sour on this app I just made without thoroughly researching.
it is possible to edit so the headers line up with the columns? They all look like they have $25 annual fees instead of 25 day grace period

There we go. I had to cut/past into a word document and then paste here. That whole thing from the website to here doesn't always work to well.

Re: Credit unions with low rates

Anonymous — Wed, 21 Oct 2015 05:30:13 GMT

Rates listed seem very high. For example, you have PenFed Promise as 12.49% when it's currently 7.99%

Re: Credit unions with low rates

ddemari — Wed, 21 Oct 2015 05:45:22 GMT

I have penfed promise at 16.9% apr lol

Re: Credit unions with low rates

CreditMagic7 — Wed, 21 Oct 2015 06:12:50 GMT

Why is NASA not on the list?

Re: Credit unions with low rates

B335is — Wed, 21 Oct 2015 06:14:05 GMT

Lake Michigan Credit Union 6.75% if they give you the time of day.

Re: Credit unions with low rates

Anonymous — Wed, 21 Oct 2015 06:20:20 GMT

Irish beat me to it, but isnt Penfed Promise 7.9-variable based on credit worthiness? Or are we just listing the lowest APR per card?

Finding quite a few credit unions with 7.9 percent APR but they have requirements with duration of relationship, amount of deposit, current loan, etc.

Re: Credit unions with low rates

CreditMagic7 — Wed, 21 Oct 2015 06:24:36 GMT

@B335is wrote:
Lake Michigan Credit Union 6.75% if they give you the time of day.

You guys do already know of the Lake Michigan CU big merger right?

http://fox17online.com/2015/10/14/lake-michigan-credit-union-merger-to-be-biggest-cu-merger-ever/

Re: Credit unions with low rates

Saleen099 — Wed, 21 Oct 2015 14:32:20 GMT

FSUCU

www.fsucu.org/loans/CreditCard.asp

Platinum VISA
0.99% APR to 2.99% APR*
BALANCE TRANSFER PROMOTIONAL RATE
7.95% APR to 18.00% APR*
No annual fee
25-day grace period on purchases
24-hour toll-free member service
Cash advance access at ATMs worldwide
Travel/Accident Insurance
*Annual Percentage Rate
Agreement and Disclosure Statement

Re: Credit unions with low rates

icyhot — Wed, 21 Oct 2015 16:29:16 GMT

I've been wanting a credit union card for the sake of having a low APR if needed, but I'm afraid my INQs and new accounts will scare them off. I wonder what the difference in underwriting between major banks and CUs is if any

Re: Credit unions with low rates

Anonymous — Wed, 21 Oct 2015 19:39:09 GMT

@icyhot wrote:
I've been wanting a credit union card for the sake of having a low APR if needed, but I'm afraid my INQs and new accounts will scare them off. I wonder what the difference in underwriting between major banks and CUs is if any

@Anonymous question. I think it all depends on their mood. NASA approved then AA'ed me for 25k @ 10.9% APR.... but a local CU had no issues with all my new accounts or inquiries. They said my credit was excellent for them. The only reason I was not given 7.9% was lack of a relationship, and in 6 months to 1 year I will be eligible. With the 2.9% promotional APR for 12 months, that was a no brainer for me. That was really a want though, not a need. And they hit the nail on the head. There is no need to open a credit card with a credit union to build a relationship with them. A savings account, checking account, etc is all they really need.

Re: Credit unions with low rates

12njoy — Wed, 21 Oct 2015 19:42:05 GMT

Michigan State University Credit Union shot me down due to too many inquiries and new accounts. Gave me a lecture about opening up so many accounts. I just wanted to hangup but they hadn't given me the decision yet so I had to bear and grin I'm in the garden so no one tempt me because I'm weak