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Onyx Mastercard®
- Regular Purchase APR 9.50% to 17.50% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR 9.50% to 17.50% variable based on creditworthiness and the Prime Rate
- Cash Advance APR 17.50% variable based on the Prime Rate
- Annual Fee None
- Credit Needed Excellent
- Intro Purchase APR 0% for 6 months
- Processing Network N/A
- No annual fee
- No foreign transaction fees
- No fees for balance transfers or cash advances
- Earn 2% on all eligible purchases
- Intro Purchase APR: 0% for 6 months
- Regular Purchase APR: 9.50% to 17.50% variable based on creditworthiness and the Prime Rate
- Intro Balance Transfer APR: 0% for 12 months
- Balance Transfer APR: 9.50% to 17.50% variable based on creditworthiness and the Prime Rate
- Cash Advance APR: 17.50% variable based on the Prime Rate
- Late Payment Penalty Fee: Up to $25
- Return Payment Penalty Fee: Up to $25
Wescom Bruin Edge Visa® Credit Card
- Regular Purchase APR 13.15% to 23.15% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR 13.15% to 23.15% variable based on creditworthiness and the Prime Rate
- Cash Advance APR 13.15% to 23.15% variable based on creditworthiness and the Prime Rate
- Annual Fee None
- Credit Needed Excellent , Good
- Intro Purchase APR 0% for 6 months from account opening date
- Processing Network Visa
- No annual fee
- No foreign transaction fees
- Earn 5X points on select UCLA purchases
- Earn 1.5X points on all other purchases
- 0% intro APR for 6 months on purchases and balance transfers
- Intro Purchase APR: 0% for 6 months from account opening date
- Regular Purchase APR: 13.15% to 23.15% variable based on creditworthiness and the Prime Rate
- Intro Balance Transfer APR: 0% for 6 months from account opening date
- Balance Transfer APR: 13.15% to 23.15% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: Either $2 or 2% of the amount of each transfer, whichever is greater
- Cash Advance APR: 13.15% to 23.15% variable based on creditworthiness and the Prime Rate
- Cash Advance Transaction Fee: Either $2 or 2% of the amount of each cash advance, whichever is greater
- Late Payment Penalty Fee: Up to $15
- Return Payment Penalty Fee: Up to $25
SchoolsFirst FCU Rewards Mastercard® Credit Card
- Regular Purchase APR 11.50% to 17.90% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR 11.50% to 17.90% variable based on creditworthiness and the Prime Rate
- Cash Advance APR 11.50% to 17.90% variable based on creditworthiness and the Prime Rate
- Annual Fee None
- Credit Needed Excellent , Good , Fair
- Processing Network Mastercard
- Earn 1.5 points per dollar spent on every purchase
- Redeem points for cash, travel, merchandise and more. Points earning is unlimited and they never expire
- Skip your December billing cycle payment without an impact to your credit score
- Enjoy Priceless Cities benefits exclusively for Mastercard cardholders
- Regular Purchase APR: 11.50% to 17.90% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 11.50% to 17.90% variable based on creditworthiness and the Prime Rate
- Cash Advance APR: 11.50% to 17.90% variable based on creditworthiness and the Prime Rate
- Penalty APR: 17.90%
- Late Payment Penalty Fee: $25
- Return Payment Penalty Fee: $20
SchoolsFirst FCU Share Secured Mastercard® Credit Card
- Regular Purchase APR 13.9%
- Balance Transfer APR 13.9%
- Cash Advance APR 13.9%
- Annual Fee None
- Credit Needed Fair , Poor
- Processing Network Mastercard
- Establish or re-establish your credit history with this secured credit card
- Get a credit limit with a deposit between $500 and $5,000
- Get Mastercard Enhanced ID Theft Protection to monitor your identity
- Compatible with Apple Pay
- Regular Purchase APR: 13.9%
- Balance Transfer APR: 13.9%
- Cash Advance APR: 13.9%
- Penalty APR: 17.9%
- Foreign Transaction Fee: 2% of the transaction amount in U.S. dollars
- Late Payment Penalty Fee: $25
- Return Payment Penalty Fee: $20
- Minimum Deposit Required: $500
America First Credit Union Visa Share Secured Credit Card
- Regular Purchase APR 10.5% variable based on the Prime Rate
- Balance Transfer APR 10.5% variable based on the Prime Rate
- Cash Advance APR 10.5% variable based on the Prime Rate
- Annual Fee None
- Credit Needed Fair , Poor
- Processing Network Visa
- No annual fee
- Credit limits start from $200
- Low regular rates for purchases
- Travel emergency assistance included
- Regular Purchase APR: 10.5% variable based on the Prime Rate
- Balance Transfer APR: 10.5% variable based on the Prime Rate
- Cash Advance APR: 10.5% variable based on the Prime Rate
- Cash Advance Transaction Fee: 1.5% of the amount of each cash advance
- Foreign Transaction Fee: Up to 1% of the transaction amount in U.S. dollars
- Late Payment Penalty Fee: Up to $35
- Return Payment Penalty Fee: $10
- Minimum Deposit Required: $200
SDCCU Visa Signature
- Regular Purchase APR 12.99%, 15.99%, 17.99%, or 22.99%, based on creditworthiness
- Balance Transfer APR 16.99%, 19.99%, 21.99%, or 26.99%, based on creditworthiness
- Cash Advance APR 16.99%, 19.99%, 21.99%, or 26.99%, based on creditworthiness
- Annual Fee $89
- Credit Needed Good , Fair
- Processing Network Visa
- No annual fee your first year
- No foreign transaction fees
- Earn 2X points for ever $1 spent
- Earn 10,000 bonus points when you spend $3,000 in your first 90 days
- Regular Purchase APR: 12.99%, 15.99%, 17.99%, or 22.99%, based on creditworthiness
- Balance Transfer APR: 16.99%, 19.99%, 21.99%, or 26.99%, based on creditworthiness
- Balance Transfer Transaction Fee: Either $1 or 2% of the amount of each transfer, whichever is greater
- Cash Advance APR: 16.99%, 19.99%, 21.99%, or 26.99%, based on creditworthiness
- Cash Advance Transaction Fee: Either $1 or 2% of the amount of each cash advance, whichever is greater
- Annual Fee: $89
- Late Payment Penalty Fee: Up to $10
- Return Payment Penalty Fee: Up to $20
BrightStar Business Elite Rewards Credit Card
- Regular Purchase APR 10.99% to 18% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR 10.99% to 18% variable based on creditworthiness and the Prime Rate
- Cash Advance APR See Terms
- Annual Fee None
- Credit Needed Excellent , Good
- Intro Purchase APR 0% for the first 12 months
- Processing Network Visa
- No annual fee
- Earn 1X points on every purchase
- 0% Intro APR for the first 12 months on purchases
- 3.88% intro APR on balance transfers for 12 months
- No penalty fees and no balance transfer fees
- Intro Purchase APR: 0% for the first 12 months
- Regular Purchase APR: 10.99% to 18% variable based on creditworthiness and the Prime Rate
- Intro Balance Transfer APR: 3.99% for the first 12 months
- Balance Transfer APR: 10.99% to 18% variable based on creditworthiness and the Prime Rate
- Cash Advance APR: See Terms
- Foreign Transaction Fee: Up to 1% of the transaction amount in U.S. dollars
- Late Payment Penalty Fee: Up to $35
- Return Payment Penalty Fee: Up to $35
SDCCU Cash Rewards Visa Platinum
- Regular Purchase APR 9.99%, 12.99%, 14.99%, or 19.99% based on creditworthiness
- Balance Transfer APR 13.99%, 16.99%, 18.99% or 23.99% based on creditworthiness
- Cash Advance APR 13.99%, 16.99%, 18.99% or 23.99% based on creditworthiness
- Annual Fee None
- Credit Needed Good , Fair
- Processing Network Visa
- Earn unlimited 1% cash back
- Cash rewards automatically post to your account each month
- Free online banking
- $500,000 Travel Accident Insurance, Auto Rental Insurance
- Regular Purchase APR: 9.99%, 12.99%, 14.99%, or 19.99% based on creditworthiness
- Balance Transfer APR: 13.99%, 16.99%, 18.99% or 23.99% based on creditworthiness
- Balance Transfer Transaction Fee: Either $1 or 2% of the amount of each balance transfer, whichever is greater
- Cash Advance APR: 13.99%, 16.99%, 18.99% or 23.99% based on creditworthiness
- Cash Advance Transaction Fee: Either $1 or 2% of the amount of each cash advance, whichever is greater
- Foreign Transaction Fee: 2% of the transaction amount in U.S. dollars
- Late Payment Penalty Fee: Up to $10
- Return Payment Penalty Fee: Up to $20
The Educator's Rewards Visa Platinum Card
- Regular Purchase APR 8.99% to 18% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR 8.99% to 18% variable based on creditworthiness and the Prime Rate
- Cash Advance APR 8.99% to 18% variable based on creditworthiness and the Prime Rate
- Annual Fee None
- Credit Needed Excellent , Good
- Intro Purchase APR 0% for 12 months from account opening date
- Processing Network Visa
- No annual fee
- 0% introductory APR for 12 months on purchases
- Reduced introductory APR for 12 months with no fee on balance transfers
- Earn points on your purchases
- Intro Purchase APR: 0% for 12 months from account opening date
- Regular Purchase APR: 8.99% to 18% variable based on creditworthiness and the Prime Rate
- Intro Balance Transfer APR: 2.49% for 12 months on transfers made within 60 days from account opening date
- Balance Transfer APR: 8.99% to 18% variable based on creditworthiness and the Prime Rate
- Cash Advance APR: 8.99% to 18% variable based on creditworthiness and the Prime Rate
- Cash Advance Transaction Fee: $1 ATM Cash Advance Transaction Fee
- Foreign Transaction Fee: up to 1% of the transaction amount in U.S. dollars
- Late Payment Penalty Fee: Up to $25
- Return Payment Penalty Fee: Up to $25
BrightStar Credit Union Visa Platinum Cash Rewards Card
- Regular Purchase APR 10.99% to 18% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR 10.99% to 18% variable based on creditworthiness and the Prime Rate
- Cash Advance APR 10.99% to 18% variable based on creditworthiness and the Prime Rate
- Annual Fee None
- Credit Needed Excellent , Fair
- Intro Purchase APR 0% for 6 months from account opening date
- Processing Network Visa
- No annual fee, no balance transfer fee
- Low, competitive standard APR for purchases
- 0% introductory APR for balance transfers for first 12 months after account approval
- Earn 1.5% cash back rewards on all purchases
- Intro Purchase APR: 0% for 6 months from account opening date
- Regular Purchase APR: 10.99% to 18% variable based on creditworthiness and the Prime Rate
- Intro Balance Transfer APR: 0% for the first 12 billing cycles, on balance transfers made within 60 days of account approval
- Balance Transfer APR: 10.99% to 18% variable based on creditworthiness and the Prime Rate
- Cash Advance APR: 10.99% to 18% variable based on creditworthiness and the Prime Rate
- Cash Advance Transaction Fee: $1 at an ATM
- Foreign Transaction Fee: Up to 1% of the transaction amount in U.S. dollars
- Late Payment Penalty Fee: Up to $25
- Return Payment Penalty Fee: Up to $25
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What Is a Credit Union?
Credit unions are community banks and financial institutions. These community banks are entirely member-owned and operated and are designed to serve the best interests of those members. Credit unions, like traditional banks, offer a wide variety of financial products and services, including savings accounts, checking accounts, mortgages, car loans, and credit cards.
How Do Credit Unions Differ from Traditional Banks?
While credit unions offer many of the same financial products and services of traditional banks, they differ in some key respects.
As previously mentioned, the members of the union own each credit union. This unique ownership structure means that credit unions are designed to benefit members over stockholders. Credit unions are non-profit organizations, meaning when a credit union prospers, so do the members. If, for example, a union sees an unexpected influx of fresh capital in a calendar year, the members of the credit unions – including credit card holders – would likely see a drop in interest rates and fees – another advantage of credit unions over traditional banks.
How Many Credit Unions Are There in the United States?
As of 2022 there are more than
Those 5,000+ credit unions serve over 123 million (that’s 123,000,000+) members – meaning no matter where you are in the U.S. there is a credit union (or Federal credit union) to serve your needs.
What Benefits do Credit Union Credit Cards Offer?
Credit unions are smaller entities that only accept credit card applications from members – they are also member-owned and operated. Because of their smaller size, and their member-oriented nature, credit unions can typically give credit card applicants much lower interest rates than major credit card issuers and lenders.
Low APR
Typically, many low APR credit cards from credit unions are several points lower on average than a comparable low APR card from a larger lender. Good examples of these types of card include the First Tech® Federal Credit Union Platinum Mastercard®, the Jovia Visa Advantage, and the SDCCU Visa Platinum.
The same is also often true for 0% intro APR cards and even cashback rewards cards. Credit union cards also usually offer reduced fees for balance transfers, cash advances, late payments, and other nominal charges, making them a better option for many if they plan to make a late payment.
These low rates make credit union cards ideal for carrying a balance. Many cards also feature a low – or no – balance transfer fee. This combination of no fees and a low ongoing APR make credit unions particularly appealing to many consumers.
No Annual Fee or Transaction Fees
Credit unions are also far less likely to charge an annual fee versus a traditional bank. According to the NCUAB, only about one in ten credit unions charge an annual fee for their credit cards, compared to nearly half of all other credit card issuers.
One final area where credit unions excel versus traditional banks is the sheer number of available ATMs across the United States. As credit unions are cooperatives, they work together with other unions to create a seamless experience for their members across the country. As a result, there are currently over 28,000 ATMs nationwide available for those who are members of a credit union.
What Are the Drawbacks of a Credit Union Credit Card?
Credit union cards offer significant value to many credit card consumers – especially when it comes to securing a great interest rate. Unfortunately, however, there are some drawbacks with credit union cards as well. These drawbacks are most closely associated with the low-interest rates these community banks offer.
Fewer Options for People with Bad Credit
Credit unions tend to offer fewer credit products than larger banks, making it much more difficult for those with less than perfect credit to get accepted for a credit card. Because of the low APR rates and relatively small cash reserves of credit unions, they are more likely to expect an applicant to have excellent credit or at least good to very good credit.
Before you take the time to apply for a credit union credit card, be sure to check your credit score to ensure you meet the credit needed requirements – merely being a member isn’t enough.
While the options for credit card products are limited to credit unions, there are still credit card options for people with bad credit. Some credit unions, such as Golden 1 in Northern California, offer very good secured credit cards, like the Golden 1 Platinum Secured Visa Card. Secured cards are an excellent option for those looking to rebuild their credit score or establish a credit history.
Approval Hurdles
Browse Credit Cards from the Leading Credit Unions
Browse the best credit cards from credit unions and choose your perfect match. Ready to get started? Let us help you find your best card today!
