Credit unions are tax-advantaged by law, and they pass on this advantage to their members in the form of lower rates. Many have APRs below 10%.
Fixed APR cards are rare. Most cards are variable, meaning they change with interest rates. When interest rates increase, your fixed APR will remain the same.
Most credit unions cards have no annual, foreign transactions, late or balance transfer fees.
We list credit unions that are open to all to join. The eligibility rules may require a small donation for non-local members.
Credit unions are formed for their local communities and play a strong role in supporting them.