|credit cards with fixed apr rates||1.22||0.1||9648||20|
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Members get the benefit of lower credit card interest rates, and the credit unions fulfill their mandate of serving the community. The interest on a fixed-rate credit card issued by a credit union tends to be lower than that of a variable-rate card.How long does a fixed APR last on a credit card?
The credit card reform law President Obama signed in May 2009 changed the rules for cards advertised as having fixed rates. Previously, fixed rates could be changed with as little as 15 days’ notice. Under the reform law, fixed rates must remain fixed for at least a year, and then can be raised with 45 days’ notice to consumers.What are some of the best fixed rate credit cards?
The First Federal Credit Union Visa® Premium credit card offers a fixed interest rate as low as 6.99%, with no balance transfer fees and no annual fee. This is one of the lowest fixed-APR credit cards on the market, so if you’re able to join this small credit union, it’s worth applying for.What is the best 0% APR credit card?
Chase Freedom Unlimited is the most versatile 0% introductory APR card, and a cashback card with a 15-month introductory period on new purchases. Besides, an APR of 14.99% – 23.74% variable is applicable. Additionally, you are qualified for at least 1.5% unlimited cashback for all eligible purchases.