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Alliant Cashback Visa Signature Credit Card
- Regular Purchase APR 12.24% to 22.24% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR 12.24% to 22.24% variable based on creditworthiness and the Prime Rate
- Cash Advance APR 20.24% to 24.24% variable based on the Prime Rate
- Annual Fee None the first year. After that, $99
- Credit Needed Excellent , Good
- Processing Network Visa
- Earn 2.5% cash back with no categories to keep track of
- Earn up to $250 in cash back per billing cycle
- Use this card with Apple Pay, Google Pay, and Samsung Pay
- No foreign transaction fees
- $99 annual fee waived for the first year
- Regular Purchase APR: 12.24% to 22.24% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 12.24% to 22.24% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: 3% of the amount of each transfer
- Cash Advance APR: 20.24% to 24.24% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 3% of the amount of each cash advance, whichever is greater
- Penalty APR: 25.24% variable based on the Prime Rate
- Annual Fee: None the first year. After that, $99
- Late Payment Penalty Fee: Up to $27
- Return Payment Penalty Fee: Up to $27
Alliant Visa Platinum Credit Card
- Regular Purchase APR 10.24% to 22.24% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR 10.24% to 22.24% variable based on creditworthiness and the Prime Rate
- Cash Advance APR 19.24% to 24.24% variable based on creditworthiness and the Prime Rate
- Annual Fee None
- Credit Needed Good , Fair
- Intro Purchase APR 0% to 5.99%, based on creditworthiness, for 12 months from account opening date
- Processing Network Visa
- Get an introductory APR as low as 0% on purchases and balance transfers for 12 months from the date of account opening
- Low standard APRs and generous credit lines
- No annual fee
- Earn 0.55% annual percentage yield with an Alliant savings account – 7X the national average
- Intro Purchase APR: 0% to 5.99%, based on creditworthiness, for 12 months from account opening date
- Regular Purchase APR: 10.24% to 22.24% variable based on creditworthiness and the Prime Rate
- Intro Balance Transfer APR: 0% to 5.99%, based on creditworthiness, for 12 months from account opening date
- Balance Transfer APR: 10.24% to 22.24% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: Either $5 or 2% of the amount of each balance transfer, whichever is greater
- Cash Advance APR: 19.24% to 24.24% variable based on creditworthiness and the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 3% of the amount of each cash advance, whichever is greater
- Penalty APR: 25.24% variable based on the Prime Rate
- Foreign Transaction Fee: 2% of the transaction amount in U.S. dollars
- Late Payment Penalty Fee: Up to $27
- Return Payment Penalty Fee: Up to $27
SchoolsFirst FCU Inspire Mastercard Credit Card
- Regular Purchase APR 8.50% to 17.90% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR 8.50% to 17.90% variable based on creditworthiness and the Prime Rate
- Cash Advance APR 8.50% to 17.90% 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 Mastercard
- Enjoy a 0% introductory interest rate on purchases and balance transfers for 6 months from account opening date
- Get your credit score and customized credit reports for free from SavvyMoney
- Skin your December billing cycle payment without affecting your credit score
- Enjoy Priceless Cities benefits exclusive to Mastercard cardholders
- Intro Purchase APR: 0% for 6 months from account opening date
- Regular Purchase APR: 8.50% to 17.90% variable based on creditworthiness and the Prime Rate
- Intro Balance Transfer APR: 0% for 6 months from account opening date
- Balance Transfer APR: 8.50% to 17.90% variable based on creditworthiness and the Prime Rate
- Cash Advance APR: 8.50% to 17.90% variable based on creditworthiness and the Prime Rate
- Penalty APR: 17.90%
- Foreign Transaction Fee: 2% of the transaction amount in U.S. dollars
- Late Payment Penalty Fee: $25
- Return Payment Penalty Fee: $20
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 School Employee Mastercard®
- Regular Purchase APR 7.50% to 17.90% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR 7.50% to 17.90% variable based on creditworthiness and the Prime Rate
- Cash Advance APR 7.50% 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% cash back on purchases — deposited into your Summer Saver account
- Enjoy an interest-only payment option during the summer when you may not be working or getting a paycheck
- Ability to skip your December billing cycle without credit score being impacted
- Automatically get a 0.50% lower rate for every year you make on-time payments
- Regular Purchase APR: 7.50% to 17.90% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 7.50% to 17.90% variable based on creditworthiness and the Prime Rate
- Cash Advance APR: 7.50% to 17.90% variable based on creditworthiness and the Prime Rate
- Penalty APR: 17.90%
- Foreign Transaction Fee: 2% of the transaction amount in U.S. dollars
- 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 Classic Credit Card
- Regular Purchase APR 10.49% to 18% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR 10.49% to 18% variable based on creditworthiness and the Prime Rate
- Cash Advance APR 10.49% to 18% variable based on creditworthiness and the Prime Rate
- Annual Fee None
- Credit Needed Good , Fair
- Processing Network Visa
- Personalize your card design with Picture Perfect
- Choose the card that's right for you: Select between a low-rate or cash back option
- No annual fee
- Travel emergency assistance included
- Regular Purchase APR: 10.49% to 18% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 10.49% to 18% variable based on creditworthiness and the Prime Rate
- Cash Advance APR: 10.49% to 18% variable based on creditworthiness and 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
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
America First Credit Union Visa Platinum Credit Card
- Regular Purchase APR 6.99% to 18% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR 6.99% to 18% variable based on creditworthiness and the Prime Rate
- Cash Advance APR 6.99% to 18% variable based on creditworthiness and the Prime Rate
- Annual Fee None
- Credit Needed Good , Fair
- Processing Network Visa
- No annual fee
- Personalize your card with your own image, and choose from one of four perk options
- No balance transfer fees
- Identity theft recovery feature included standard
- Regular Purchase APR: 6.99% to 18% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 6.99% to 18% variable based on creditworthiness and the Prime Rate
- Cash Advance APR: 6.99% to 18% variable based on creditworthiness and 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
America First Credit Union Visa Signature Cash Back Credit Card
- Regular Purchase APR 9.49% to 18% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR 9.49% to 18% variable based on creditworthiness and the Prime Rate
- Cash Advance APR 9.49% to 18% variable based on creditworthiness and the Prime Rate
- Annual Fee None
- Credit Needed Excellent , Good
- Processing Network Visa
- Earn between 1% and 1.5% cash back on every purchase
- Redeem points for merchandise or travel
- Visa Signature offers the ability to use this card anywhere in the world where Visa is accepted
- No annual fee or balance transfer fees
- Regular Purchase APR: 9.49% to 18% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 9.49% to 18% variable based on creditworthiness and the Prime Rate
- Cash Advance APR: 9.49% to 18% variable based on creditworthiness and 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
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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.
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
One of the most common problems with credit union credit cards that people fail to take account of is that credit unions are member-owned clubs. Because of this fact, credit cards from credit unions are only open to fellow union members. There are a wide variety of credit unions out there, but most are either tied to a single employer or armed service branch, or a specific geographic area.
Before you apply for that dream card, therefore, make sure that the credit union that offers it is open to your membership.
Types of Credit Union Cards
Credit union cards, much like traditional lender credit cards, come in all shapes and sizes. There are credit union cards to suit every need, including those who travel, students, and even businesses.
- Credit Union Rewards Cards – Rewards credit cards offer perks for making purchases with the card. Rewards may be for everyday items, such as groceries or gas, or for purchases made with leading retailers worldwide.
- Credit Union Travel Rewards Cards – Like a rewards card, a travel rewards credit card offers perks and earning rewards for the frequent world explorer. Travel rewards can include airline miles and perks, hotel points and perks, or all-around travel savings when using the card. Unlike larger lenders, credit union travel rewards cards aren’t typically co-branded, meaning they won’t offer rewards for one particular airline or alliance, but rather miles that can be applied to a variety of programs.
- Credit Union Cash Back Cards – As with other lenders, cashback rewards cards from credit unions are a great way to get money back for regularly using your credit card to make purchases. The Alliant Credit Union Rewards Visa Signature Card is an excellent example thanks to its impressive rewards rate of 2X points per dollar spent on all purchases.
- Credit Union Student Cards – Student credit cards are a great way for students to build their credit history while still in school.
- Credit Union Secured Credit Cards – Like student cards, secured credit cards are a great way to rebuild credit or establish a credit score. Secured credit cards require a deposit, which acts as the credit limit.
- Credit Union Business Cards – As they are as much a part of the local community as many local businesses, business credit cards from a credit union are the perfect choice for small to medium sized companies. Credit union cards offer businesses the flexibility ad financial resources they need to succeed, along with the understanding that comes with a local financial partner.
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!
