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  • APRs ranging from 0 to 21 percent
  • No annual fees
  • Late payment penalties of up to $25

Bellco Credit Union

  • APRs ranging from 0 to 21 percent
  • No annual fees
  • Late payment penalties of up to $25
  • APRs ranging from 5.99 to 18 percent
  • No annual fees
  • Late payment penalties of up to $25

Apple Federal Credit Union

  • APRs ranging from 5.99 to 18 percent
  • No annual fees
  • Late payment penalties of up to $25
  • APRs ranging from 6.99 to 10.5 percent
  • No annual fees
  • Late payment penalties up to $35

America First Credit Union

  • APRs ranging from 6.99 to 10.5 percent
  • No annual fees
  • Late payment penalties up to $35
  • APRs ranging from 5.99 to 18.99 percent
  • Annual fees of $25
  • Late payment penalties of up to $15

Travis Credit Union

  • APRs ranging from 5.99 to 18.99 percent
  • Annual fees of $25
  • Late payment penalties of up to $15
  • APRs ranging from 6.45 to 13.40 percent
  • Annual fees ranging from $0 to $85
  • Late payment penalties of up to $15

Patelco Credit Union

  • APRs ranging from 6.45 to 13.40 percent
  • Annual fees ranging from $0 to $85
  • Late payment penalties of up to $15
  • APRs ranging from 6.74 to 16.95 percent
  • No annual fees
  • Late payment penalties up to $25

Security Service Federal Credit Union

  • APRs ranging from 6.74 to 16.95 percent
  • No annual fees
  • Late payment penalties up to $25
  • APRs ranging from 8.24 to 18%
  • Annual fees ranging from $0 to $49
  • Late payment penalties up to $20

Navy Federal

  • APRs ranging from 8.24 to 18%
  • Annual fees ranging from $0 to $49
  • Late payment penalties up to $20
  • APRs ranging from 7.79 to 13.79 percent
  • No annual fees
  • Late payment penalties up to $15

Golden 1 Credit Union

  • APRs ranging from 7.79 to 13.79 percent
  • No annual fees
  • Late payment penalties up to $15
  • APRs ranging from 8.24 to 18.0 percent
  • No annual fees
  • Late payment penalties of $25

Mountain America Credit Union

  • APRs ranging from 8.24 to 18.0 percent
  • No annual fees
  • Late payment penalties of $25
  • APRs ranging from 8.24 to 17.99 percent
  • Annual fees ranging from $0 to $25
  • Late payment penalties up to $35

GTE Financial

  • APRs ranging from 8.24 to 17.99 percent
  • Annual fees ranging from $0 to $25
  • Late payment penalties up to $35
  • APRs ranging from 0 to 21 percent
  • No annual fees
  • Late payment penalties of up to $25

Founded in 1936, Bellco Credit Union is based in Colorado, manages $3.1 billion, and has more than 290,000 members, making it the largest credit union in the city of Denver and the second-largest in Colorado. Bellco offers two credit cards, the Bellco Visa® Platinum Colorado Rewards Credit Card and the Visa® Platinum Credit Card. APRs for credit cards from Bellco start at 9.75 percent and can be as high as 21 percent.

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  • APRs ranging from 5.99 to 18 percent
  • No annual fees
  • Late payment penalties of up to $25

Apple Federal Credit Union was founded in 1956 by a group of employees of the Fairfax County Public School system who came together to help their colleague purchase a set of car tires. Since that time, the credit union has grown to serve individuals of Northern Virginia. Apple Federal offers a variety of credit cards, including the Platinum, Signature Rewards, MyRewards, Educator, Student, Mason Alum, and Credit Builder cards.

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  • APRs ranging from 6.99 to 10.5 percent
  • No annual fees
  • Late payment penalties up to $35

America First Credit Union was founded in 1939 in Salt Lake City, Utah. The company serves over 700,000 members with a comprehensive range of financial products and services. America First is federally insured by the National Credit Union Association and has more than $7.1 billion in total assets. The financial services company offers several types of Visa credit cards with various benefits and rates with no annual fee.

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  • APRs ranging from 5.99 to 18.99 percent
  • Annual fees of $25
  • Late payment penalties of up to $15

Military and civilian workers founded Travis Credit Union in 1951 at Travis Air Force Base in Fairfield, California. The movement to begin the credit union began in the Depression era in the 1930s. Since that time, Travis Credit Union has grown to serve individuals who live, work, worship, or attend school in the following California counties: Solano, Yolo, Contra Costa, Merced, Napa, Alameda, Colusa, Placer, Sacramento, San Joaquin, Sonoma, and Stanislaus. Travis offers five different credit cards: Platinum Rewards, MasterCard Gold, Share-Secured, Credit Builder, and Classic Visa. Interest rates range from 8.99 to 18.99 percent, but the Platinum Rewards Visa card has an introductory APR of 5.99 percent.

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  • APRs ranging from 6.45 to 13.40 percent
  • Annual fees ranging from $0 to $85
  • Late payment penalties of up to $15

Credit unions have a unique perspective on the financial industry because they are founded with the members in mind instead of solely for the purpose of making money. Patelco Credit Union is no different and using this unique perspective to provide its members with all of the most current financial services and a personalized experience. Since its founding in 1936, Patelco has continually grown and now includes 300,000 members and 36 branches.

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  • APRs ranging from 6.74 to 16.95 percent
  • No annual fees
  • Late payment penalties up to $25

Security Service Federal Credit Union (SSFCU) is a not-for-profit, member-owned cooperative that serves customers in 70 locations throughout the southwestern United States. The financial services company was founded in 1956 and its corporate headquarters are located in San Antonio, Texas. According to its website, SSFCU is the eighth-largest credit union in the world with more than 700,000 members across the globe. The financial services company offers multiple MasterCard credit card options with various rates and benefits for its customers. All cardholders receive access to free mobile and online banking services, 24/7 customer service, and free real-time fraud alerts.

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  • APRs ranging from 8.24 to 18%
  • Annual fees ranging from $0 to $49
  • Late payment penalties up to $20

Founded in 1933, Navy Federal Credit Union (NFCU) was created to assist members of the U.S. military and their families. To be eligible for an NFCU credit card, you must be a member of the credit union (which is only available to active duty and retired military members), a civilian employee or retiree of the Department of Defense, a contractor who works on U.S. government installations, or an immediate family member of an NFCU member.

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  • APRs ranging from 7.79 to 13.79 percent
  • No annual fees
  • Late payment penalties up to $15

Golden 1 Credit Union is a not-for-profit financial cooperative that was founded in 1933 in California. The financial services company has over 800,00 members located in 38 counties across California. Golden 1 offers three main Visa card selections for consumers that are designed to meet specific credit needs. Cards are available for established members who want cash back rewards for frequent purchases and for consumers that either need to start or rebuild personal credit histories. Golden 1 Credit Union also provides a selection of various additional financial products and services as well as well as online and mobile banking services.

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  • APRs ranging from 8.24 to 18.0 percent
  • No annual fees
  • Late payment penalties of $25

Mountain America Credit Union was founded in 1934 and operated as the Salt Lake Telephone Employees Credit Union until its merger with the Postal Workers Credit Union in 1984. As the name no longer reflected the membership, the credit union changed its name at that time to Mountain America Credit Union. In 1984, the credit union merged with the Utah State Credit Union and now operates as the second-largest credit union in the state of Utah. The credit union is a comprehensive financial services provider, and members are able to meet their financial needs with products such as checking/savings accounts, mortgages, automobile loans, reverse mortgages, and credit cards.

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  • APRs ranging from 8.24 to 17.99 percent
  • Annual fees ranging from $0 to $25
  • Late payment penalties up to $35

GTE Financial is a not-for-profit cooperative that was founded in 1935 in Tampa Bay, Florida. The financial services company offer its customers a choice of either a Visa Platinum or a Visa Secured credit card, along with many other financial products and services. Members are able to manage their finances anytime with the company's CURewards mobile app on their smartphone, tablet, or computer. The financial services company accepts and serves members from anywhere in the United States. GTE Financial is an equal housing lender and is federally-insured by the National Credit Union Association.

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