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  • APRs ranging from 8 to 18 percent
  • Annual fees ranging from $0 to $25
  • Late payment penalties up to $25

PenFed Credit Union

  • APRs ranging from 8 to 18 percent
  • Annual fees ranging from $0 to $25
  • Late payment penalties up to $25
  • APRs ranging from 8.24 to 22.24 percent
  • No annual fees
  • Late payment penalties up to $25

First Citizens Bank

  • APRs ranging from 8.24 to 22.24 percent
  • No annual fees
  • Late payment penalties up to $25
  • APRs ranging from 7.5 to 18.0 percent
  • No annual fees
  • Undisclosed late payment penalties

Redstone Federal Credit Union

  • APRs ranging from 7.5 to 18.0 percent
  • No annual fees
  • Undisclosed late payment penalties
  • APRs ranging from 7.49 to 18 percent
  • No annual fees
  • Late payment penalties of up to $35

Northwest Federal Credit Union

  • APRs ranging from 7.49 to 18 percent
  • No annual fees
  • Late payment penalties of up to $35
  • APRs starting at 7.5 percent
  • No annual fees
  • Undisclosed late payment penalties

Coastal Federal Credit Union

  • APRs starting at 7.5 percent
  • No annual fees
  • Undisclosed late payment penalties
  • APRs Ranging From 8.25 to 18.0%
  • No Annual Fees
  • Late Payment Penalties Up to $5

State Employees' Credit Union

  • APRs Ranging From 8.25 to 18.0%
  • No Annual Fees
  • Late Payment Penalties Up to $5
  • APRs ranging from 0 to 22.99 percent
  • Annual fees ranging from $0 to $49
  • Late payment penalties up to $35

Santander

  • APRs ranging from 0 to 22.99 percent
  • Annual fees ranging from $0 to $49
  • Late payment penalties up to $35
  • APRs ranging from 0 to 20.49%
  • Annual fees up to $125
  • Undisclosed late payment penalties

Commerce Bank

  • APRs ranging from 0 to 20.49%
  • Annual fees up to $125
  • Undisclosed late payment penalties
  • APRs ranging from 8.99 to 12.99 percent
  • No annual fees
  • Late payment penalties of $35

Virginia Credit Union

  • APRs ranging from 8.99 to 12.99 percent
  • No annual fees
  • Late payment penalties of $35
  • APRs ranging from 8.4 to 11.4 percent
  • No annual fees
  • Late payment penalties up to $25

Bethpage Federal Credit Union

  • APRs ranging from 8.4 to 11.4 percent
  • No annual fees
  • Late payment penalties up to $25
  • APRs ranging from 8 to 18 percent
  • Annual fees ranging from $0 to $25
  • Late payment penalties up to $25

PenFed Credit Union that offers a wide variety of financial products and services. The military-based credit union has over 1.5 million members across the United States and was first established in 1935 in Milwaukee, Wisconsin. PenFed is federally-insured by the National Credit Union Association. PenFed is also an equal housing lender and has over $21 billion in total assets. The company offers numerous Visa credit card options with distinct features and benefits for customers to choose from.

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  • APRs ranging from 8.24 to 22.24 percent
  • No annual fees
  • Late payment penalties up to $25

First Citizens Bank & Trust Company is a state-chartered banking institution established in 1858 and headquartered in Raleigh, North Carolina. The publicly-traded company serves customers with financial products and services in more than 500 branches across 18 states as well as the District of Columbia. Its services include personal and commercial banking, investment services, insurance, and wealth management. The financial services company has more than $31 billion in total assets. First Citizens offers multiple Visa credit card options with various distinct rates and benefits.

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  • APRs ranging from 7.5 to 18.0 percent
  • No annual fees
  • Undisclosed late payment penalties

Redstone Federal Credit Union (RFCU) was awarded a federal charter in 1951. The institution is headquartered in Huntsville, Alabama, and currently serves over 380,000 members. Redstone is the largest credit union in the state of Alabama and is among the 25 largest credit unions in the United States. Prospective members can open a share savings account with a minimum of $5, which is also the minimum balance required to maintain an account. Membership eligibility includes family members of eligible or current RFCU members, through one's employer, or by membership in an eligible club or organization. The list of eligible organizations for a membership is over 1,500, and constantly growing, meaning that there are many opportunities for eligibility. The credit union offers its members checking/savings accounts, loans, mortgages, insurance, investments, discount programs, and credit cards.

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  • APRs ranging from 7.49 to 18 percent
  • No annual fees
  • Late payment penalties of up to $35

Northwest Federal Credit Union is a Virginia-based credit union that was founded in 1947. Northwest offers three cards: the Member Rewards MasterCard, the First Card Visa Platinum, and the Visa Platinum. APRs range from 7.49 to 18 percent.

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  • APRs starting at 7.5 percent
  • No annual fees
  • Undisclosed late payment penalties

As with many credit unions, Coastal Federal Credit Union was created first in order to help a specific group of people (in this case, the employees of IBM). However, as the credit union has grown, the allowed membership has expanded to include employees of several other companies within the same area of North Carolina. Since its founding in 1967, Coastal Federal Credit Union has been committed to providing its members with high quality financial services, including checking accounts, mortgage loans, home equity, credit cards, auto loans, savings accounts, and more.

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  • APRs Ranging From 8.25 to 18.0%
  • No Annual Fees
  • Late Payment Penalties Up to $5

State Employees' Credit Union (SECU) is a not-for-profit cooperative that provides numerous financial products and services for its members. The company is a federally insured and state-chartered financial institution founded in 1937 by members and is based in Raleigh, North Carolina. SECU offers a Visa credit card with limited fees, excellent interest rates, and some additional benefits. Members also have access to online account management and mobile banking services as well as free financial information articles, calculators, and other resources on its corporate website.

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  • APRs ranging from 0 to 22.99 percent
  • Annual fees ranging from $0 to $49
  • Late payment penalties up to $35

Santander Bank is an international financial institution founded in 2009 and its corporate headquarters are located in Boston, Massachusetts. The financial services company serves customers located in Massachusetts, Maine, New York, New Hampshire, New Jersey, Pennsylvania, Vermont, Rhode Island, Delaware, Connecticut, and Washington DC. The company offers two MasterCard credit card choices for customers with unique benefits and rates.

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  • APRs ranging from 0 to 20.49%
  • Annual fees up to $125
  • Undisclosed late payment penalties

Founded in 1865 and headquartered in Kansas City, Missouri, Commerce Bank offers a number of financial services, including banking, loans, and credit cards.

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  • APRs ranging from 8.99 to 12.99 percent
  • No annual fees
  • Late payment penalties of $35

Virginia Credit Union has a very rich history of providing its members with the tools necessary to move forward with financial confidence. Founded in the 1920s, Virginia Credit Union worked to do more than offer banking services. Instead, the company has continually tried to help its members understand and make sound financial decisions through free educational services. These educational services cover several topics, including checking and savings accounts, loans, insurance, retirement funds, investments, and more.

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  • APRs ranging from 8.4 to 11.4 percent
  • No annual fees
  • Late payment penalties up to $25

Founded in 1941 to better serve the employees of Grunman in New York, Bethpage Federal Credit Union has since expanded to offer services to all residents of Long Island and surrounding areas. Bethpage offers banking, loans, investments, insurance, and credit cards to individuals and businesses.

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