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  • APRs ranging from 6.90 to 19.80 percent
  • No annual fees
  • Late payment penalties of $25

Credit Union 1

  • APRs ranging from 6.90 to 19.80 percent
  • No annual fees
  • Late payment penalties of $25
  • APRs starting at 9.24 percent
  • No annual fees
  • Late payment penalties of up to $10

Altura Credit Union

  • APRs starting at 9.24 percent
  • No annual fees
  • Late payment penalties of up to $10
  • APRs ranging from 10.25 to 14.25 percent
  • No annual fees
  • Late payment penalties up to $25

Delta Community Credit Union

  • APRs ranging from 10.25 to 14.25 percent
  • No annual fees
  • Late payment penalties up to $25
  • APRs ranging from 9.24 to 16.25%
  • Annual fees ranging from $0 to $75
  • Late payment penalties up to $20

First Tech Federal Credit Union

  • APRs ranging from 9.24 to 16.25%
  • Annual fees ranging from $0 to $75
  • Late payment penalties up to $20
  • APRs ranging from 9.9 to 12.9 percent
  • No annual fees
  • Late payment penalties up to $27

Pennsylvania State Employees Credit Union

  • APRs ranging from 9.9 to 12.9 percent
  • No annual fees
  • Late payment penalties up to $27
  • APRs ranging from 9.99 to 22.99 percent
  • Annual fees ranging from $0 to $89
  • Late payment penalties of up to $10

San Diego County Credit Union

  • APRs ranging from 9.99 to 22.99 percent
  • Annual fees ranging from $0 to $89
  • Late payment penalties of up to $10
  • APRs ranging from 9.99 to 11.9 percent
  • No annual fees
  • Undisclosed late payment penalties

Summit Credit Union

  • APRs ranging from 9.99 to 11.9 percent
  • No annual fees
  • Undisclosed late payment penalties
  • APRs ranging from 9.9 to 12 percent
  • No annual fees
  • Late payment penalties of up to $35

Associated Credit Union

  • APRs ranging from 9.9 to 12 percent
  • No annual fees
  • Late payment penalties of up to $35
  • APRs ranging from 10.24 to 20.24 percent
  • Annual fees ranging from $0 to $19
  • Late payment penalties up to $37

Credit Union One

  • APRs ranging from 10.24 to 20.24 percent
  • Annual fees ranging from $0 to $19
  • Late payment penalties up to $37
  • APRs ranging from 11.74 to 18.74%
  • No annual fees
  • Undisclosed late payment penalties

State Farm

  • APRs ranging from 11.74 to 18.74%
  • No annual fees
  • Undisclosed late payment penalties
  • APRs ranging from 6.90 to 19.80 percent
  • No annual fees
  • Late payment penalties of $25

The Visa Platinum Credit Card from Credit Union 1 offers convenient purchasing power to cardholders with no annual fees, outstanding rewards programs, interest-free purchases for 25 days, and 24/7 hour access to card statements and online payments. With APRs starting at 6.90 percent for the first six billings cycles, this credit card option is a good option for consumers looking to obtain a line of credit.

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  • APRs starting at 9.24 percent
  • No annual fees
  • Late payment penalties of up to $10

Based out of Riverside, California, Altura Credit Union seeks to bring the power credit to its members with three different credit card options. As a credit union, Altura offers competitive percentage rates, low late fees, no annual fees, and flexible payment options to assist its members in meeting their financial goals.

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  • APRs ranging from 10.25 to 14.25 percent
  • No annual fees
  • Late payment penalties up to $25

Delta Community Credit Union is a federally-insured, not-for-profit cooperative founded in 1940 in Atlanta, Georgia. Delta Community is an equal housing lender and is insured by the National Credit Union Association. The financial services company serves approximately 400,000 members and has more than $5 billion in total assets. Along with several other financial products and services, the company offers a Visa Platinum Rewards credit cards for consumers and a Visa Young Adult Card for students and first time credit users. Delta Community Bank also provides online and mobile banking services, along with 24/7 customer service for all its members.

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  • APRs ranging from 9.24 to 16.25%
  • Annual fees ranging from $0 to $75
  • Late payment penalties up to $20

For more than fifty years, First Tech Federal Credit Union has been working closely with major influencers in the technology industry. This bank offers solutions that meet specific technology company needs, anything from all types of bank accounts, credit cards, loans, insurance options, and investment opportunities. While First Tech works to help the technology industry, all of the services can be utilized by anyone in need of a bank that is continually innovating. Beyond focusing on innovation, First Tech is different than other banks because the Board of Directors is comprised of volunteers from the members. These unique business practices set First Tech Federal Credit Union apart from the rest of the banking industry and provide customers with a different option.

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  • APRs ranging from 9.9 to 12.9 percent
  • No annual fees
  • Late payment penalties up to $27

PSECU (Pennsylvania State Employees Credit Union) was founded in 1934 when 22 state employees pooled their resources to establish a credit union to serve those working for the state of Pennsylvania. Since its founding, the credit union has become one of the largest not-for-profit financial cooperatives in the state with over 400,000 members. Membership eligibility for the credit union includes those who are related to or live with a PSECU member, students, faculty, staff and alumni of universities in the Pennsylvania State System of Higher Education, many community or private colleges, employees of state and local government, school districts, or some Select Employee Groups. Those who are not eligible by any of the above criteria and who are a member are a member of the Pennsylvania Recreation and Parks Society can join PSECU with $20 annual dues. Online applications for membership with PRPS eligibility are only charged $10. The organization offers a full-featured portfolio of financial products to its members, including personal accounts, loans, business accounts, mortgages, and the choice between two credit cards.

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  • APRs ranging from 9.99 to 22.99 percent
  • Annual fees ranging from $0 to $89
  • Late payment penalties of up to $10

San Diego County Credit Union (SDCCU) is the city and county of San Diego's largest financial institution with local ownership and control. The original charter for the credit union was granted in 1938 to service county employees. The credit union's clientele was greatly expanded in the 1970s to allow any resident of San Diego the opportunity to join. Current residential membership requirements include all residents of San Diego, Riverside, or Orange Counties. Those who work in these areas are also eligible to join. For those living and working outside of these counties, membership is available via membership in the Financial Fitness Association. The credit union is a not-for-profit entity, and currently serves over 320,000 members, offering financial products to meet their needs.

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  • APRs ranging from 9.99 to 11.9 percent
  • No annual fees
  • Undisclosed late payment penalties

Summit Credit Union offers traditional checking and savings accounts, loan options, and credit cards. Members can also take advantage of educational resources and one-on-one coaching from financial experts.

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  • APRs ranging from 9.9 to 12 percent
  • No annual fees
  • Late payment penalties of up to $35

Associated Credit Union is one of Georgia's oldest financial institutions. The credit union was chartered in 1930 and has since grown to serve nationwide and international customers and is federally insured up to $250,000 by the National Credit Union Administration. Associated Credit Union offers a number of different credit card options with interest rates ranging from 9.9 to 12 percent.

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  • APRs ranging from 10.24 to 20.24 percent
  • Annual fees ranging from $0 to $19
  • Late payment penalties up to $37

Credit Union One has a long, rich history of helping its members with all of their financial needs. Since its founding in 1938, this credit union has seen members through all kinds of financial highs and lows, giving them the type of experience to help all future members with any situation that may come up. Members will be able to have access to most services they would be able to get from a major banking institution, such as checking or savings accounts, credit cards, and loans.

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  • APRs ranging from 11.74 to 18.74%
  • No annual fees
  • Undisclosed late payment penalties

State Farm was founded in 1922 by a retired farmer who wanted to provide automobile insurance to fellow farmers. It was so successful that the company began to offer other types of insurance and financial services. Although automobile insurance continues to be its main business, State Farm also offers homeowners and life insurance, as well as various banking and financial services.

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