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CCU Platinum Rewards Visa
CCU Platinum Rewards Visa
- 15.95% to 26.95% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 15.95% to 26.95% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 15.95% to 26.95% variable based on creditworthiness and the Prime Rate Cash Advance APR
- 0% for 365 days after account opening date Intro Purchase APR
At a Glance
The CCU Platinum Rewards Visa Card is an uncomplicated rewards credit card from Illinois-based Consumers Credit Union. The card earns a flat-rate one point for every dollar spent on purchases – points which are applicable towards rewards such as travel, merchandise, gift cards, and more. Points earned through the CURewards program have a shelf life of three years, meaning while you have time to save, you don’t have an eternity. The card also features a reasonably competitive APR and no annual fee.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Automatic enrollment in CURewards Program
- Exchange points for merchandise, travel, and experiences
- Earn 1 point for every dollar spent
- Comprehensive fraud protection
- No annual fee
- Intro Purchase APR: 0% for 365 days after account opening date
- Regular Purchase APR: 15.95% to 26.95% variable based on creditworthiness and the Prime Rate
- Intro Balance Transfer APR: 0% for 365 days after account opening date
- Balance Transfer APR: 15.95% to 26.95% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: Either $5 or 3% of each balance transfer, whichever is greater
- Cash Advance APR: 15.95% to 26.95% variable based on creditworthiness and the Prime Rate
- Cash Advance Transaction Fee: Either $5 or 5% of each cash advance, whichever is greater
- Foreign Transaction Fee: 1% of the transaction in U.S. dollars
- Late Payment Penalty Fee: Up to $25
- Return Payment Penalty Fee: Up to $25
- You want a no-nonsense rewards credit card
- You don’t want to pay any annual fees
- You want to earn rewards for everyday purchases
- You already bank with Consumers Credit Unio
CCU Visa Signature Rewards
CCU Visa Signature Rewards
- 16.24% 27.24% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 16.24% 27.24% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 16.24% 27.24% variable based on creditworthiness and the Prime Rate Cash Advance APR
- 0% for 365 days from account opening date Intro Purchase APR
At a Glance
The CCU Visa Signature Rewards is a very good rewards credit card from Consumers Credit Union. The card earns three points for every dollar spent at grocery or convenience stores, two points per dollar at gas stations, and a single point for all other purchases. Rewards points are applicable towards rewards such as travel, merchandise, gift cards, and more, though points expire after three years. There is no annual fee.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- 3X points for grocery and convenience store purchases
- 2X points on gas purchases
- 1X points on all other purchases
- Points expire every 5 years
- No annual fee
- Travel accident insurance
- Lost luggage reimbursement
- Intro Purchase APR: 0% for 365 days from account opening date
- Regular Purchase APR: 16.24% 27.24% variable based on creditworthiness and the Prime Rate
- Intro Balance Transfer APR: 0% for 365 days from account opening date
- Balance Transfer APR: 16.24% 27.24% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: Either $5 or 3% of the amount of each balance transfer, whichever is greater
- Cash Advance APR: 16.24% 27.24% variable based on creditworthiness and the Prime Rate
- Cash Advance Transaction Fee: $5 or 5% of the amount of each cash advance, whichever is greater
- Foreign Transaction Fee: 1% of the transaction in U.S. dollars
- Late Payment Penalty Fee: Up to $25
- Return Payment Penalty Fee: Up to $25
- You already bank with Consumers Credit Union
- You want to earn triple points at grocery stores
- You want to earn double points for gas purchases
- You do't want to pay an annual fee
CCU Business Visa Platinum
CCU Business Visa Platinum
- 15.20% to 25.20% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 15.20% to 25.20% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 15.20% to 25.20% variable based on creditworthiness and the Prime Rate Cash Advance APR
At a Glance
The CCU Business Visa Platinum Card is a no-sense business credit card from Consumers Credit Union. The card features a highly competitive APR, complimentary employee cards, and sophisticated account management tools. The card also features no annual fee and no additional fees for cash advances.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Additional employee cards at no extra cost
- No balance transfer fees
- No cash advance fees
- No annual fee
- Auto rental insurance
- Travel accident insurance coverage up to $500,000
- Regular Purchase APR: 15.20% to 25.20% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 15.20% to 25.20% variable based on creditworthiness and the Prime Rate
- Cash Advance APR: 15.20% to 25.20% variable based on creditworthiness and the Prime Rate
- Cash Advance Transaction Fee: 5% of the amount of each cash advance or $5, whichever is greater
- Foreign Transaction Fee: 1% of the transaction amount in U.S. dollars
- Late Payment Penalty Fee: $25 when the minimum is not made within 5 days
- Return Payment Penalty Fee: $35
- Over Limit Penalty Fee: $25 per occurence
- You already bank with Consumers Credit Union
- You want a straightforward business card with a great APR
- You don’t want to pay an annual fee
CCU Platinum Visa
CCU Platinum Visa
- 13.95% to 24.95% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 13.95% to 24.95% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 13.95% to 24.95% variable based on creditworthiness and the Prime Rate Cash Advance APR
- 0% for 365 days from account opening date Intro Purchase APR
At a Glance
The CCU Platinum Visa Card from Consumers Credit Union is a low APR card that is short on perks. While the card offers a competitive APR on purchases, balance transfers, and cash advances, it doesn’t provide any introductory bonuses or perks, nor does it refrain from applying foreign transaction fees, or fees for cash advances or balance transfers. The card does offer no annual fee, however, as well as the perks and protections you’d typically associate with a Visa card.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- No annual fee
- No fees on balance transfers or cash advances
- Intro Purchase APR: 0% for 365 days from account opening date
- Regular Purchase APR: 13.95% to 24.95% variable based on creditworthiness and the Prime Rate
- Intro Balance Transfer APR: 0% for 365 days from account opening date
- Balance Transfer APR: 13.95% to 24.95% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: Either $5 or 3% of the amount of each transfer, whichever is greater
- Cash Advance APR: 13.95% to 24.95% variable based on creditworthiness and the Prime Rate
- Cash Advance Transaction Fee: Either $5 or 5% of the amount of each cash advance, whichever is greater
- Foreign Transaction Fee: 1% of the transaction amount in U.S. dollars
- Late Payment Penalty Fee: Up to $25
- Return Payment Penalty Fee: Up to $25
- You're already a member of Consumers Credit Union
- You want a basic card with a decent APR
- You don’t want to pay an annual fee
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About Consumers Credit Union
Consumers Credit Union is a Michigan-based credit union with its headquarters in Oshtemo, MI. The credit union serves its members with a dedication to customer service excellence and industry-leading services. These services include a Zillow-recommended mortgage team, checking and savings accounts, money markets and CDs, credit cards, and loans for individuals and small businesses.
Who Can Join Consumers Credit Union?
While Consumers Credit Union is based in Michigan’s lower peninsula, membership is open to anyone in the United States. If you’re interested in joining CCU, you must join the union’s Consumers Cooperative Association.
To join CCU, pay a one-time, non-refundable $5 fee to our sponsor, the Consumers Cooperative Association, and then deposit and maintain a minimum $5 in your Membership Share/Savings Account. That’s it! Pretty easy, huh?
CCU High Yield Rewards Checking
Consumers Credit Union offers many features you’d expect from a big bank, but with the exceptional, personalized service you expect from a credit union. This collection of products and services includes high-yield rewards checking account with an APY of up to 80X the national average.
The CCU Rewards Checking account offers several tiers of APY, with the basic account earning just 0.01% APY. Fortunately, the rewards rate climbs significantly, with 5% as the current top rate. You’ll need to meet spending and deposit requirements, however. Here are the tiers and the requirements to reach these tiers:
- Tier A: Enjoy an APY of 5% after meeting the Tier B requirements and spend at least $1,000 monthly on your Consumers Credit Union credit card.
- Tier B: Earn 4% APY after meeting the Tier C requirements and spending $500 monthly on your CCU Visa credit card account.
- Tier C: Earn 3% APY after making at least 12 debit card transactions each month with your CCU debit card. Transactions are applicable either with or without using your pin.
The up to 5% APY with CCU is among today’s best high yield checking products. Most banks offer an APY of 3% on a high-yield account, with the national average for a checking account resting at a measly 0.06% APY. That makes CCU’s rewards checking one of the best options for anyone who wants to save money using their debit or credit card.
Auto Loans
The credit union also provides extensive loan products, including mortgages, personal loans, and auto loans. Consumer Credit Union auto loans offer extremely competitive rates, with members enjoying access to loans without minimum credit requirements. Even better, you can pre-qualify for a CCU auto loan before applying.
CCU offers three auto loan types: used, new, and refinance. As with other banks, the best rates come for loans on new cars. However, used cars are also available for loans with the current cut-off date for a vehicle eligible for purchase set at 2016 models.
Mechanical Repair Coverage
Consumers Credit Union offers another form of automotive coverage: mechanical repairs coverage. Like a car warranty, this coverage deals with repair costs if your vehicle breaks down, needs replacement parts, or suffers another mechanical problem. Mechanical breakdown insurance, as it is also known, adds an extra layer of protection to your car’s insurance policy.
Here’s what mechanical repairs coverage covers:
| Air conditioner | Brakes | Convertible motor | Electrical systems |
| Electronic locks or mirrors | Suspension | Front/rear wheel drive | Heater |
| Engine | Transmission | Radiator | Steering |
| Safety systems | Security systems | Power seats | Etc. |
Credit Cards
CCU also issues a range of credit cards using the Visa payment network. These credit cards provide competitive interest rates, lengthy 0% intro APR periods (where applicable), and lucrative points or cash back on select purchases – including groceries, gas, travel, and more.
Consumers CU Branch Locations
Consumers currently operates 21 branches in the SW of Michigan. Most of these locations are in the Greater Grand Rapids area, with other locations in Norton Shores, Muskegon, Cedar Springs, Greenville, and Traverse City (among other sites). For a complete list of Consumers Credit Union branches, please visit the credit union’s official locations page.
Consumers members also have access to over 30,000 fee-free ATMs courtesy of the CO-OP Network of ATMs, plus shared branches with other credit unions.
FAQs About Consumers Credit Union
Here are answers to common questions about Consumers Credit Union:
- The routing number for Consumers is 272481839.
- The toll-free number for customer service is (800) 991-2221
- Consumers offers exceptional customer service, a Zillow-recommended mortgage team, 24/7 online account access via the web or mobile app, local experts, and free coffee and Wi-Fi in branches.
- Like other credit unions, deposits in PenFed are insured through the National Credit Union Administration (NCUA) for up to $250,000.
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