My Big List of Low-Interest Credit Union Credit Cards

[searchlight]

Here's my big list of low interest credit cards, sorted by cash advance interest rate (excluding those with a big transaction fee).

 

My starting point was the top 100 credit union list here: outbound link removed.

 

Obviously, this is not the place to look for rewards cards, and a lot of people will prefer 0% balance transfer offers, but some folks may get a benefit.

 

Feel free to reply with updates and additions, especially smaller credit unions that weren't on my starting list.

 

 

Name Location Type Purchase Rate Cash Advance Rate CA Fee % CA Fee $ Apple Federal Credit Union Fairfax, VA Visa Platinum 5.74 5.74 0% Wright-Patt Credit Union Fairborn, OH Platinum Low Rate 6.25 6.25 0% Security Service Federal Credit Union San Antonio, TX Power MC 6.49 6.49 0 American Airlines Federal Credit Union Fort Worth, TX Visa Platinum 7 7 0% $2 Northwest Federal Credit Union Herndon, VA Visa Platinum 7 7 0% Coastal Federal Credit Union Raleigh, NC Community Visa 7.25 7.25 0% State Employees Credit Union Raleigh, NC Visa 7.75 7.75 0 Eastman Credit Union Kingsport, TN Gold Variable 7.75 7.75 0% First Community Credit Union Chesterfield, MO Visa Platinum 7.9 7.9 0 Chevron Federal Credit Union Oakland, CA 7.99 7.99 0% TDECU Lake Jackson, TX Platinum MC 7.99 7.99 0% Veridian Credit Union Waterloo, IA Visa Platinum 8.15 8.15 0% Logix Federal Credit Union Burbank, CA Platinum MC 8.24 8.24 0 Citizens Equity First Credit Union Peoria, IL MC Platinum 5.25 8.25 0% $1 Members 1st Federal Credit Union Mechanicsburg, PA Visa Platinum Select 8.25 8.25 0% Merck Employees Federal Credit Union Rahway, NJ Visa Platinum 8.28 8.28 0% SchoolsFirst Federal Credit Union Santa Ana, CA 8.5 8.5 0 Digital Federal Credit Union Marlborough, MA Visa Platinum 8.5 8.5 0% UW Credit Union Madison, WI Visa Platinum 8.5 8.5 0% Visions Federal Credit Union Endwell, NY Visa Platinum 8.56 8.56 0% Affinity Federal Credit Union Basking Ridge, NJ Premium Visa 8.6 8.6 0% Star One Credit Union Sunnyvale, CA Visa Platinum 8.75 8.75 0 Tinker Federal Credit Union Oklahoma City, OK Visa Platinum 8.75 8.75 0% Wings Financial Credit Union Apple Valley, MN Visa Platinum 8.9 8.9 0 Bank Fund Staff Federal Credit Union Washington, DC Visa Platinum 8.9 8.9 0 SACU San Antonio, TX Visa Platinum 8.9 8.9 0% Keesler Federal Credit Union Biloxi, MS MC Platinum 8.9 8.9 0% $5 Virginia Credit Union Richmond, VA MasterCard 8.99 8.99 0% Community First Credit Union Appleton, WI Platinum - Either 8.99 8.99 0% $5 General Electric Credit Union Cincinnati, OH Visa Platinum 8.99 8.99 0% Chartway Federal Credit Union Virginia Beach, VA Visa Platinum Rewards 8.99 8.99 0 Redstone Federal Credit Union Huntsville, AL MasterCard Gold 7 9 0 VyStar Credit Union Jacksonville, FL Platinum Visa 9.1 9.1 0% Police and Fire Federal Credit Union Philadelphia, PA 9.15 9.15 0 Sandia Laboratory Federal Credit Union Albuquerque, NM Visa Gold Value 9.25 9.25 0% $5 Ent Federal Credit Union Colorado Springs, CO Visa Platinum Rewards 9.75 9.75 0% $3 PSECU Harrisburg, PA Visa 9.9 9.9 0 OnPoint Community Credit Union Portland, OR Platinum Visa 7.9 9.9 0 GECU El Paso, TX Gold MC 7.9 9.9 0 Atlanta Postal Credit Union Atlanta, GA Visa Platinum 9.99 9.9 0% $5.00 ESL Federal Credit Union Rochester, NY Visa Gold 9.98 9.98 0% Navy Federal Credit Union Vienna, VA MC Platinum 7.99 9.99 0 PenFed Federal Credit Union Alexandria, VA Promise Visa 9.99 9.99 0 First Technology Federal Credit Union Mountain View, CA Visa Platinum 8.99 9.99 0 NEFCU Westbury, NY Visa Platinum 9.99 9.99 0% Summit Credit Union Madison, WI Visa Platinum Preferred Rate 9.99 9.99 0% $3.00 Suncoast Credit Union Tampa, FL 8.9 10.9 0 Tower Federal Credit Union Laurel, MD 10.9 10.9 0% $0.75 Space Coast Credit Union Melbourne, FL Platinum visa 10.99 10.99 0% SECU Credit Union Linthicum, MD Visa Platinum Scorecard 10.99 10.99 0% Travis Credit Union Vacaville, CA Platinum Rewards Visa 8.99 10.99 0% $5 Teachers Credit Union South Bend, IN Visa Platinum 8.49 11.15 0% Redwood Credit Union Santa Rosa, CA Visa Platinum 8.99 11.99 0 Grow Financial Federal Credit Union Tampa, FL Visa Platinum Preferred 6.99 18 0 Service Credit Union Portsmouth, NH Visa Platinum 8.99 8.99 1% APCO Employees Credit Union Birmingham, AL APCO Visa 10.9 10.9 1% America First Credit Union Riverdale, UT Visa Platinum 6.99 6.99 1.50% BECU Tukwila, WA 6.9 6.9 2%

Edited October 11, 2014 by MarvBear

[shifter]

Unreadable.

[searchlight]

Bummer. It looked like a table when I put it in. Any hints for making tables?

[mendelssohn]

 

Could you format the list?

[searchlight]

Hope this works better...

 

Name Location Type Purch % CA % CA Fee % CA Fee $

Apple FCU Fairfax, VA Visa Platinum 5.74 5.74 0%

Wright-Patt CU Fairborn, OH Plat Low Rate 6.25 6.25 0%

Security Service FCU San Antonio, TX Power MC 6.49 6.49 0

American Airlines FCU Fort Worth, TX Visa Platinum 7 7 0% $2

Northwest FCU Herndon, VA Visa Platinum 7 7 0%

Coastal FCU Raleigh, NC Community Visa 7.25 7.25 0%

State Employees CU Raleigh, NC Visa 7.75 7.75 0

Eastman CU Kingsport, TN Gold Variable 7.75 7.75 0%

First Community CU Chesterfield, MO Visa Platinum 7.9 7.9 0

Chevron FCU Oakland, CA 7.99 7.99 0%

TDECU Lake Jackson, TX Platinum MC 7.99 7.99 0%

Veridian CU Waterloo, IA Visa Platinum 8.15 8.15 0%

Logix FCU Burbank, CA Platinum MC 8.24 8.24 0

Citizens Eqty First CU Peoria, IL MC Platinum 5.25 8.25 0% $1

Members 1st FCU Mechanicsburg, PA Visa Plat Select 8.25 8.25 0%

Merck Employees FCU Rahway, NJ Visa Platinum 8.28 8.28 0%

SchoolsFirst FCU Santa Ana, CA 8.5 8.5 0

Digital FCU Marlborough, MA Visa Platinum 8.5 8.5 0%

UW CU Madison, WI Visa Platinum 8.5 8.5 0%

Visions FCU Endwell, NY Visa Platinum 8.56 8.56 0%

Affinity FCU Basking Ridge, NJ Premium Visa 8.6 8.6 0%

Star One CU Sunnyvale, CA Visa Platinum 8.75 8.75 0

Tinker FCU Oklahoma City, OK Visa Platinum 8.75 8.75 0%

Wings Financial CU Apple Valley, MN Visa Platinum 8.9 8.9 0

Bank Fund Staff FCU Washington, DC Visa Platinum 8.9 8.9 0

SACU San Antonio, TX Visa Platinum 8.9 8.9 0%

Keesler FCU Biloxi, MS MC Platinum 8.9 8.9 0% $5

Virginia CU Richmond, VA MasterCard 8.99 8.99 0%

Community First CU Appleton, WI Platinum-Either 8.99 8.99 0% $5

General Electric CU Cincinnati, OH Visa Platinum 8.99 8.99 0%

Chartway FCU Virginia Bch, VA Visa Plat Rewrds 8.99 8.99 0

Redstone FCU Huntsville, AL MasterCard Gold 7 9 0

VyStar CU Jacksonville, FL Platinum Visa 9.1 9.1 0%

Police and Fire FCU Philadelphia, PA 9.15 9.15 0

Sandia Laboratory FCU Albuquerque, NM Visa Gold Value 9.25 9.25 0% $5

Ent FCU Col Sprgs, CO Visa Plat Rewrds 9.75 9.75 0% $3

PSECU Harrisburg, PA Visa 9.9 9.9 0

OnPoint Community CU Portland, OR Platinum Visa 7.9 9.9 0

GECU El Paso, TX Gold MC 7.9 9.9 0

Atlanta Postal CU Atlanta, GA Visa Platinum 9.99 9.9 0% $5

ESL FCU Rochester, NY Visa Gold 9.98 9.98 0%

Navy FCU Vienna, VA MC Platinum 7.99 9.99 0

PenFed FCU Alexandria, VA Promise Visa 9.99 9.99 0

First Technology FCU Mountain View, CA Visa Platinum 8.99 9.99 0

NEFCU Westbury, NY Visa Platinum 9.99 9.99 0%

Summit CU Madison, WI Visa Plat Pref 9.99 9.99 0% $3

Suncoast CU Tampa, FL 8.9 10.9 0

Tower FCU Laurel, MD 10.9 10.9 0% $0.75

Space Coast CU Melbourne, FL Platinum Visa 10.99 10.99 0%

SECU CU Linthicum, MD Visa Plat Score 10.99 10.99 0%

Travis CU Vacaville, CA Platinum Rewrds 8.99 10.99 0% $5

Teachers CU South Bend, IN Visa Platinum 8.49 11.15 0%

Redwood CU Santa Rosa, CA Visa Platinum 8.99 11.99 0

Grow Financial FCU Tampa, FL Visa Plat Pref 6.99 18 0

Service CU Portsmouth, NH Visa Platinum 8.99 8.99 1%

APCO Employees CU Birmingham, AL APCO Visa 10.9 10.9 1%

America First CU Riverdale, UT Visa Platinum 6.99 6.99 1.50%

BECU Tukwila, WA 6.9 6.9 2%

Wescom CU Pasadena, CA 8.9 8.9 2%

[Allisson0605]

Great , Thanks

[mendelssohn]

If you copy and paste, the formatting will get messed up. Format it in your post so that it will be easy to edit.

[cv91915]

Good info for many. Thanks for posting the cleaned-up version, and welcome!

[BobWang]

And THAT's how you get a title.

[cv91915]

World record, I think... Congrats, OP!

[nysbadmk8]

Very nice, thank you for posting and formatting

[credithunting]

Nice work OP

[cv91915]

It's amazing how Courier New font still opens doors.

 

[mendelssohn]

Congrats, OP!

[RussInGotham]

Nice work, welcome, and congrats on the title!

[mrage]

Thanks for the list! I am a long-time member of VyStar CU. I have contemplated getting a new cc from them, but looking in the credit pulls db I can't tell if they tend to be more conservative or more generous. I will likely go to them for an auto loan next year, perhaps I'll go ahead and get a CC to test the waters.

[searchlight]

Thanks for the kind words ... and title!

 

[Heading off to figure out titles...]

[themanwhocan]

Lake Michigan Credit Union Prime Platinum card. As low as Prime Rate + 3% = 6.25%

[mrjuggalo9er]

Indiana members credit union 9.9 fixed

forum 7.24

[searchlight]

Lake Michigan Credit Union Prime Platinum card. As low as Prime Rate + 3% = 6.25%

 

Lake Michigan CU card is good for purchases and balance transfers, but it has a 3% cash advance fee -- I've left all of those off the list, so far anyway.

[Konrad2012]

Ive been Google'ing some of these in my spare time.

 

The American Airlines FCU looks pretty nice if someone is eligible.

 

2.25%APY on the first 5K in a checking account, 1.49% New and Used auto loans, LOC's from 7%, some 12-15K CC's in the CP DB, EQ puller.

[searchlight]

Here's a couple more:

 

State Department FCU, 6.99%, no fees, anyone can join (pick American Consumer Council), plus it has EMV Chip & Pin and no foreign transaction fees.

 

Andrews FCU, 7.99%, no fees, anyone can join (ACC, again), EMV Chip & Pin, no foreign transaction fees.

[pbarnes]

SF Fire CU - 7.25%, no fees, 1% CB.

[lethargic]

My Randolph Brooks card has a 5.7% fixed. I got it about two years ago. Not sure what they're offering now but they I do know they still offer a low APR card.

[themanwhocan]

Beach Municipal FCU VISA Platinum. As low as 5.24%

Citizens Community CU VISA. As low as 5.74%

Long Island Community FCU VISA Platinum. As low as 5.74%

Premier FCU VISA Platinum with rewards. As low as 5.90%

University fcu great rate card. As low as 5.90%

Redstone FCU Platinum. 1.5% Cash Back. As low as 8.00%