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Best CU credit card APRs?

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leoment
Frequent Contributor

Re: Best CU credit card APRs?

I don't know where you're based out of, but here in Florida there's the People's Credit Union that offers a rate as low as 6.9% fixed (but can go up to 17.8%).

I don't have this card but I'm keeping it in mind once the prime rate goes back up.
800+ across all three (via FAKOs) has been achieved! Current goal - Get down to 6 cards in total - sitting with 8 currently.
Message 21 of 32
Revelate
Moderator Emeritus

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


Sigh, some of their products are utterly awesome but only available to Michigan residents (100% LTV HELOC, oh yes please!).  I have wanted a TU-pulling CU for a while now though, since I couldn't get a response from my dad about his opening up a SSFCU account for me to latch onto as a family member, may poke at him again on that.  Not a bad find at all though with the checking account awesomeness for emergency reserve... though 10 debit transactions a month does sound more than a little onerous, am guessing could figure out a way without much overhead and might be a shot at a balance carrying card in the future.

 

I have to go seriously out of my way for things to land on my TU other than Barclay's applications and FIA CLI's.

 

Thanks for the tip!




        
Message 22 of 32
Kostya1992
Established Contributor

Re: Best CU credit card APRs?

Yeah but an HP is still an HP..

TU08 FICO850
EX08 FICO850
EQ08 FICO850

Message 23 of 32
Revelate
Moderator Emeritus

Re: Best CU credit card APRs?


@Kostya1992 wrote:

Yeah but an HP is still an HP..


I rarely have HP problems and my EX inquiries are worth an order of magnitude more than my TU ones currently due the fact I have a lack of things I actually need from any of my existing TU pullers.  I guess a Fidelity Amex CLI isn't a bad choice but would like to do better if possible.

 

Doesn't help to load EX and leave the other two mostly idle under my application methodology.  Inquiries are overrated anyway to quote another member, and I never worry about short-term damage to my credit report and corresponding score unless I have a big ticket application coming up.  Like now I'm as squeaky clean as I can get (background screening and two VZ stupid service inquiries on my reports), but post keys in hand with probably at least another 5 years on my car if not more and all the mortgage inquiries on my report anyhow?  Be a waste not to take the spree hit right there and see if I can fix the few remaining gaps in my revolving portfolio, or in this case, long term financial portfolio.




        
Message 24 of 32
takeshi74
Senior Contributor

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?


9.99% (purchases and cash) on the PenFed Platinum Cash Rewards.  Not the lowest APR out there but it is 5% at the pump (with qualifying product).

 


@Anonymous wrote:

I realize i could probably google thousands of local credit unions and search their lending page for APRs but thought this might be easier.


You could also use the credit card sites and look at prior discussions.  If the search feature isn't working for you try a site restricted Google search.  Example below and you can use Google's tools to filter the dates on the results if you only want more recent results.

https://www.google.com/search?q=credit+union+card+APR+site%3Aficoforums.myfico.com&oq=credit+union+card+APR+site%3Aficoforums.myfico.com&aqs=chrome..69i57.335j0j7&sourceid=chrome&es_sm=93&ie=UTF-8

 

Message 25 of 32
IaBoy62
Established Contributor

Re: Best CU credit card APRs?

Mainstreet FCU just lowered me to 9.9% and Mazuma CU is at 11.5%. Both in KC metro area. No rewards on either card. NFCU is 16.5%.

Message 26 of 32
TRC_WA
Senior Contributor

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


@BECU Rewards Visa - $10k @ 10.9% APR.

 

I've had this rate since I got the card in December 2013.  There are 2 tiers above this one... 8.9% and 6.9%.  I should be bumped up this fall at account review when my BK13 falls off my TU report with early exclusion and my score goes well over 700.

 

https://www.becu.org/everyday-banking/credit-cards

 

No annual fee

No foreign transaction fee

No balance transfer fee

No cash advance fee

 

I use my rewards points on Apple iTunes gift cards.  BECU (Boeing Employees Credit Union) membership is available to those who live and/or work in Washington state.  BECU is the 4th largest US credit union.

 

Smiley Wink

FICO8 current as of : 2-25-24 EQ: 655 TU: 653 EX: 656
Hard INQs last 12 months: EQ: 5 | TU: 7 | EX: 9
Verizon Visa $6500 Amex Delta Gold $10,000 Care Credit $12,000
NFCU CashRewards $6000 Apple Card $2000 Best Buy $3500 Amazon $5000
NFCU auto loan (2022 Ford Bronco Sport Badlands - Cactus Gray) $44k new - balance $31k/6.94%
Total CL: $45,000 --- Total CC UTI: --% --- AAoA: 5.5 years --- Income: $200k
Last app: 11-30-23
Message 27 of 32
woodyman100
Valued Contributor

Re: Best CU credit card APRs?

7.75% on my EECU platinum
7.7% in my RBFCU platinum
Both have no rewards
NFCU-ICCU-EECU-PSECU-DoverFCU-DCUFCU-Union Square FCU-Signature FCU-AODFCU-RedstoneFCU-USAllianceFCU-Amarillo National Bank-BHG MC-CapitalOne-CapitalOne Biz-Regions-Goldman Sachs (Apple/GM)-Evolve-Fifth Third-Gemini-Huntington-Imprint-USBank-Pinnacle-Cardless-John Deere-Discover-BofA-BofA Biz-Celtic Bank (M1)-Chase-Chase Biz-Amex-Amex Biz-Wells Fargo-Commerce-FNBO-Citi-Citi Biz-Synchrony-Synchrony Biz-Target TD-Third Coast Bank-USAA-Amegy-Amegy Biz-Dell-Citizens Biz-Comenity-Comenity Biz-Bread (Comenity)-DSNB-Webbank-Bill
Message 28 of 32
Anonymous
Not applicable

Re: Best CU credit card APRs?

9.49% from Redwood Credit Union - 1% cash back on all purchases.

Message 29 of 32
Kostya1992
Established Contributor

Re: Best CU credit card APRs?


@Revelate wrote:

@Kostya1992 wrote:

Yeah but an HP is still an HP..


I rarely have HP problems and my EX inquiries are worth an order of magnitude more than my TU ones currently due the fact I have a lack of things I actually need from any of my existing TU pullers.  I guess a Fidelity Amex CLI isn't a bad choice but would like to do better if possible.

 

Doesn't help to load EX and leave the other two mostly idle under my application methodology.  Inquiries are overrated anyway to quote another member, and I never worry about short-term damage to my credit report and corresponding score unless I have a big ticket application coming up.  Like now I'm as squeaky clean as I can get (background screening and two VZ stupid service inquiries on my reports), but post keys in hand with probably at least another 5 years on my car if not more and all the mortgage inquiries on my report anyhow?  Be a waste not to take the spree hit right there and see if I can fix the few remaining gaps in my revolving portfolio, or in this case, long term financial portfolio.


It affects the APR of new cards more than anything though, which is what I hate. I like having all cards at lowest APR even though I don't carry balances.

TU08 FICO850
EX08 FICO850
EQ08 FICO850

Message 30 of 32
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