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Experience the Difference and Save with a Credit Union Credit Card

If you haven’t seen the news headlines by now touting the benefits of being a credit union member such as lower credit card interest rates, you might still be in the dark about how a credit union can increase your financial health.

Credit unions have less of what the big banks and lenders dish out nowadays, such as unexpected rate hikes and hidden fees. Unlike banks, credit unions are not solely focused on generating revenue and growing profits. Credit unions exist to serve the financial needs of their members and the money that’s earned is returned back to the members. Therefore, the promotional offerings of credit unions tend to be more transparent and competitive.

In December 2014, The National Credit Union Association (NCUA) published a comparison of average savings and loan rates of credit unions and banks, showing that the national average interest rate of a credit union-issued classic credit card is 11.62 percent compared to the national average of bank-issued credit cards at 12.79 percent.

Also, a recent analysis of 100 popular credit card offers to new customers by found that the typical credit card balance transfer offers have become more generous but you have to act quickly to take advantage of them.

Balance transfer offers can help consumers save money over time by transferring their balances from higher interest rate credit cards to lower, promotional-rate credit cards.

Want to see how much you could save? USECU offers its members a Platinum MasterCard® with one low competitive rate, low monthly payment, no annual fee, no balance transfer fee, no cash advance fee, and a loyalty program that turns points into free travel, cash back and more. Learn more about USECU’s Platinum MasterCard with No Annual Fee.

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