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Best CU credit card APRs?

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Anonymous
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Best CU credit card APRs?

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. Smiley Happy

Message 1 of 32
31 REPLIES 31
Anonymous
Not applicable

Re: Best CU credit card APRs?


@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. Smiley Happy


14.65% on my Navy Federal CashRewards

 

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

Message 2 of 32
ksantangelo23
Frequent Contributor

Re: Best CU credit card APRs?

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 Smiley Sad

AMEX Hilton Ascend: $55,000 | Chase Sapphire Reserve: $30,000 | PNC Points: $17,500 | AMEX BCE (AU): $18,000 | AMEX BCP: $15,000 | US Bank Cash+ $15,000 | AMEX Business Prime: $14,000 | AMEX SimplyCash: $12,000 | Capital One QS: $13,500 | Chase Business Ink: $12,000 | PNC Everyday (AU): $12,000 | JCPenny Store Card: $10,500 | Chase Slate: $9,400 | Capital One QS: $6,500 | (2nd) US Bank Cash+ (2nd): $7,500 | Discover IT: $6,000 | Chase Freedom: $3,500 | Auto Lease: $0/$21,000 | Auto Loan: $0/$18,000 |

TU: 818 EX: 809 EQ: 801

Message 3 of 32
Anonymous
Not applicable

Re: Best CU credit card APRs?


@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. Smiley Happy


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. Smiley Mad 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. Smiley Happy 

 

Message 4 of 32
Anonymous
Not applicable

Re: Best CU credit card APRs?


@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 Smiley Sad


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

 

Edit: thanks for your response!

 

 

Message 5 of 32
Anonymous
Not applicable

Re: Best CU credit card APRs?


@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 Smiley Sad


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

Message 6 of 32
Anonymous
Not applicable

Re: Best CU credit card APRs?

14.24% on my Logix Federal Credit Union Platinum Card. 

Message 7 of 32
ksantangelo23
Frequent Contributor

Re: Best CU credit card APRs?


@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 Smiley Sad


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.

AMEX Hilton Ascend: $55,000 | Chase Sapphire Reserve: $30,000 | PNC Points: $17,500 | AMEX BCE (AU): $18,000 | AMEX BCP: $15,000 | US Bank Cash+ $15,000 | AMEX Business Prime: $14,000 | AMEX SimplyCash: $12,000 | Capital One QS: $13,500 | Chase Business Ink: $12,000 | PNC Everyday (AU): $12,000 | JCPenny Store Card: $10,500 | Chase Slate: $9,400 | Capital One QS: $6,500 | (2nd) US Bank Cash+ (2nd): $7,500 | Discover IT: $6,000 | Chase Freedom: $3,500 | Auto Lease: $0/$21,000 | Auto Loan: $0/$18,000 |

TU: 818 EX: 809 EQ: 801

Message 8 of 32
dabrian
Frequent Contributor

Re: Best CU credit card APRs?

7.5 on my NCSECU card.
NFCU Sig Cash-20k/ Amex BCP-19.4k/ Amex Costco-1.2k/Chase Marriott-12k/CSP-13.4k/ Freedom-5.5k/ Discover IT-14k/NCSECU-5k/Walmart-10k/Lowes-25k
Message 9 of 32
Anonymous
Not applicable

Re: Best CU credit card APRs?


@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!

Message 10 of 32
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