Local credit unions offer a variety of credit cards that cater to different needs and preferences. With their focus on community-based banking, they often provide more personalized service and competitive rates than traditional banks.
Some credit unions offer cash back credit cards that reward members with a percentage of their purchases back as a statement credit. For example, the Navy Federal Credit Union Cash Back Credit Card offers 1.5% cash back on all purchases.
Travel credit cards are also available from local credit unions, often with no foreign transaction fees and rewards for travel-related expenses. Members can earn points or miles that can be redeemed for travel bookings or other rewards.
Credit unions like Alliant Credit Union also offer secured credit cards that can help individuals with poor credit or no credit history establish or rebuild their credit.
Credit Card Options
You can get a credit card from your local credit union, which offers lower rates and fees compared to big providers and banks. This is a great option if you want to save money on interest and fees.
One credit union that offers a Visa Credit Card is the Co-op Credit Union. By going through your Credit Union, you can have a Visa Credit Card that offers lower rates and fees, as well as earn reward points.
Here are the interest rates for two types of credit cards offered by Sharefax Credit Union:
The APR for cash advances is 18.0%.
Apply for Visa Credit Card
You can apply for a Visa Credit Card through your Credit Union, which can offer lower rates and fees compared to other options.
By going through your Credit Union, you can earn reward points on your Visa Credit Card, giving you more value for your money.
Some people may find it beneficial to have a Visa Credit Card through their Credit Union, allowing them to take advantage of lower rates and fees.
Choosing a Credit Card from Sharefax Credit Union
Choosing a credit card from Sharefax Credit Union is a great option to consider. You can apply for a card if you're a member of the credit union.
Our interest rates are lower than those offered by big providers and banks. For example, the VISA Prime card has an APR of 12.75%, and the VISA Classic with Scorecard has an APR of 12.50%.
We also have more forgiving fees, which can be a big advantage. Our customer service is top-notch, and we prioritize your financial freedom, not making money.
If you're interested in learning more about our cards, you can check our interest rates below:
Cash Advance APR is 18.0%.
Frequently Asked Questions
Is it better to get a credit card through a credit union?
Consider getting a credit card through a credit union for personalized service and potentially lower fees, including interest rates and transfer fees
Which credit union is easiest to get approved for?
For those with limited or no credit history, Connexus Credit Union is often a good option, as it has a relatively lenient membership and approval process. However, approval is never guaranteed and depends on individual circumstances.
What credit score is needed for a credit union credit card?
A credit score of 700+ is generally considered good for qualifying for a credit union credit card, but options may be available for those with lower scores. However, specific requirements may vary depending on the credit union and card type.
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