My current APR with NFCU was 13.99% and I was on the phone with them on a fee that appeared on my card that they had no clue why it was put there (NFCU ACH fee; totally random). They were very apologetic and offered to lower my APR as a courtesy.
New APR is 9.64% and it's permanent with no pull. Heaven !! Sorry for being over excited. Lowest APR I ever got.
@Anonymous wrote:Congratulations. That is the lowest rate NFCU offers for cashrewards Visa.
Now im even more excited. I didnt know that this was the lowest. I do have the nCash Reward card 
@Default4 wrote:Congrats! I think my lowest rate is like 19%... lol. Not that it matters. I never carry a balance.
On this card, I did let one month report a balance (around $40). But right now it's at $0
@Default4 wrote:It's still nice to have really low rates. Eventually I'll apply for a card that will, but for now I just want rewards cards.
Nice ot have low APRs from the 20% + that i used to have on my cards
Are you in rebuilding mode?