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Best of

Credit Unions Anyone Can Join

Editorial Note: The editorial content on this page is not provided by any financial institution and has not been reviewed, approved or otherwise endorsed by any of these entities prior to publication.

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Credit Unions offer Americans alternatives to doing business with the big banks (or even local banks). Instead of answering to shareholders, a credit union must act in the best interest of its members — who also happen to be the customers. By joining a credit union, you own a share in the financial institution and thus have voting rights. Credit unions are often a slightly exclusive, with membership eligibility requirements being strict and often focused geographically.

Take one of these paths if you’re interested in joining a credit union:

  1. See if you’re eligible for a credit union because you live, work, worship, volunteer in its region or belong to an organization/work for an employer with membership privileges.
  2. If not, you can join any of the credit unions below by making a donation to join an organization with membership privileges or in some cases, by registering to volunteer or pledge support to a credit union approved organization.

A List Credit Unions Anyone Can Join

  • You can join with a one time $25 donation to Affinity Plus Foundation
  • You can join by first becoming a member of The Friends of CityDance Association – $20 dues.
  • You can join with a one time $25 donation to the Airman Heritage Museum
  • You can join by making a $10 or greater donation to Foster Care to Success (FCS)
  • You can become a member by joining the Altra Foundation with a one time $5 lifetime membership dues
  • You can join with a one time membership fee of $5, along with an initial deposit of $25 for individuals and $100 for Ministries and Businesses into your regular share savings account
  • You can join by depositing $15 into a share savings account and maintaining this minimum balance
  • If you aren’t eligible based on military affiliation, you can join American Consumer Council with a $5 donation if you currently use or have used a major consumer product or service in the past 12 months. Lifetime membership costs $15.
  • You can join by accepting the stipulations of the following agreement on the membership form: I agree to become a member of American Consumer Council through Aspire Federal Credit Union. There is no fee for ACC membership when I join Aspire Federal Credit Union. I further understand that the information above will be provided to ACC to establish my membership with their organization.
  • To qualify for membership with CapEd you can join the Idaho CapEd Foundation as a Sustaining Member Volunteer. The Idaho CapEd Foundation is a non-profit organization that funds worthwhile educational endeavors that include the CapEd Teacher Grant Program. Minimum donations are $1 for students and $10 for non-students
  • You can join by making a $10 donation to Chartway Federal Credit Union’s philanthropic arm, the We Promise Foundation
  • You can join by making a $5 donation to The Hope Group. You must also maintain $25 in your savings account.
  • Membership in one of over 200 groups makes you eligible. If you don’t fit into one of those groups, CUNJ offers to get in touch with them to see if they can find a way for you to be eligible. The application offers the ability to make a one time donation $5 to the CUNJ foundation
  • You can join an organization with member privileges. Joining these organizations range in membership cost from $25 to $120. Once you join DCU, you have a lifelong membership, so you could cancel a membership with the other organization after joining.
  • You can join one of the following associations with a small donation of $5-$10 to qualify for First Flight membership.  You can easily join one of these associations while you open your account online or at one of our financial center locations.
    • Capital Area Preservation Club
    • Holly Springs Arts Council
    • Beaufort Historical Society
  • You might not have heard of this credit union, but anyone can join. You just need to pay $5 to join the American Consumer Council / Kentucky and you’re eligible.
  • If you aren’t eligible based on military affiliation, you can join American Consumer Council with a $5 donation if you currently use or have used a major consumer product or service in the past 12 months. Lifetime membership costs $15.
  • The online application system will automatically qualify you if you click “let us help”
  • CUSavers for a one-time $10 membership fee qualifies you for credit union membership.
  • One of the eligible associations for membership is the National Sheriff’s Association. It costs $38 to join the NSA as an auxiliary member or student. By joining the NSA first, anyone can then become a member of the Justice Federal Credit Union. This brings the cost of membership to $43.
  • You can join through the Consumers Cooperative Society of Santa Monica. Kinecta will process the enrollment into CCSSM for you. A $10 fee applies CCSSM.
  • If you are a donor to the Amyotrophic Lateral Sclerosis (ALS) Association, West Michigan Chapter, you can be eligible to apple.
  • A one time minimum donation of $25 to become a member of the Voice Foundation
  • Regardless of where you live or how you earn a living, you may qualify for membership. There is a $1.00 one time membership fee and a minimum opening deposit of $25.00.
  • You can become eligible simply by making a one-time donation to Gifts for Easter Seals. Use this Easter Seals Donation Form. However you do have to bring it to any Money One location to complete your application, which does make this credit union pretty regional specific.
  • A complimentary membership to the National Space Society (NSS) entitles you to join NASA FCU.
  • You would select employer/organization: Financial Awareness Network. They will sponsor you for a onetime $10.00 fee.
  • Anyone can join the Nusenda Credit Union (formerly the New Mexico Educators Credit Union) by becoming a member of the La Montanita Food Co-op, which costs $15 for three adults who share a kitchen.
  • If you aren’t eligible based on military affiliation, you can join American Consumer Council with a $5 donation if you currently use or have used a major consumer product or service in the past 12 months. Lifetime membership costs $15.
  • Become a member of the Friends of the Navy-Marine Corps Relief Society by making a $3 donation to qualify for membership with Pen Air FCU.
  • Members of the National Military Family Association and Voices for America’s Troops are among those eligible for PenFed membership. PenFed makes it easy for you to join one of these associations, and subsequently join PenFed. You pay a one time dues to Voices for America’s Troops for $14 or National Military Family Association for $15.
  • You can become eligible with a $5 minimum donation to the People’s Trust Foundation
  • You can join Pinnacle FCU by becoming a member of the American Consumer Council in which they will pay your membership fee of $5.00.
  • You can qualify for membership by joining the Alliance for the Arts From $50 – $1200
  • Membership in any one of the organizations listed below qualifies you for RTN membership. The Credit Union handles the process for you to join whichever organization you choose.
    • Amesbury Carriage Museum
    • Danvers Historical Society
    • Greater Boston Sickle Cell Association, Inc.
    • Gore Place
    • Tewksbury Historical Society
    • Waltham Historical Society
    • Wakefield Repertory Theatre
  • You can be eligible by becoming a Financial Fitness Association Member. To become a Financial Fitness Association Member, click on Open an Account and select the Financial Fitness Association Member button.
  • You can become eligibile with a $10 is a tax-deductible donation to the credit union’s non-profit Center for Financial Empowerment.
  • You can be eligible by becoming a Financial Fitness Association Member. You have to mail in or bring the form into a local branch. There is no online option.
  • Apply for mission supportive membership by joining the credit union’s founding charitable sponsor, the Center for Community Self-Help, for a one-time $5 fee.
  • A Membership Share Savings Account with a minimum deposit balance of $50 is required to become a Member and open any other account type.
  • Make a $5.00 donation to the Autism Society of Middle Tennessee to automatically qualify for Southeast Financial membership.
  • You are eligible to join the SDFCU if you’re an employee of the Department of State or one of the extensive organizations with ties to the credit union (all listed here under “who can join”). If you don’t work for the Department of State, you may also be eligible through the American Consumer Council. You can join the ACC for only $5 if you’ve used any major consumer product or service within the past 12 months
  • You can apply by becoming a Financial Fitness Association Member with an $8 fee. To become a Financial Fitness Association Member please click on Open an Account and select the Financial Fitness Association Member button.
  • Join the American Consumer Council through the website. Enter the promo code “consumer” to waive the membership fee. TFCU can also enroll you when it opens your account. Become a member of the Tobyhanna Army Depot Chapter of the Association of the United States Army: $14+ for military affiliation and $34 for civilians.
  • You can become eligible through a contribution to the US Capitol Historical Society (USCHS) and you must open a primary savings account with a minimum of $5 and one-time-only membership fee of $1.
  • Join the University of Texas Longhorn Foundation for instant eligibility to join UFCU. A one-time $20 donation to The University of Texas is required to become a member.
  • Western Federal Credit Union will allow potential members to join through a complimentary membership with a partnering nonprofit organization: Surfrider Foundation or Friends of Hobbs.
  • Click associate member or volunteer when filling out the application to fulfill eligibility requirements.

Let’s keep in touch! Follow us on Twitter @Magnify_Money and on Facebook.

Advertiser Disclosure: The card offers that appear on this site are from companies from which MagnifyMoney receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). MagnifyMoney does not include all card companies or all card offers available in the marketplace.

Erin Lowry
Erin Lowry |

Erin Lowry is a writer at MagnifyMoney. You can email Erin at erin@magnifymoney.com

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Best of, Building Credit

Best Secured Credit Cards When You Don’t Have Any Credit History

Editorial Note: The editorial content on this page is not provided by any financial institution and has not been reviewed, approved or otherwise endorsed by any of these entities prior to publication.

storecard - lg

Updated: June 1, 2017

There is a difference between “no credit” and “poor credit.” No credit means you’ve never taken out a line of credit. It’s common with recent college graduates who didn’t take out student loans or 18 year olds leaving the nest and entering the workforce. Poor credit is typically the result of a slip up: missing a credit card payment, defaulting on a loan, a medical bill going to collections.

A secured card offers a solution to building credit from scratch. Because you don’t have any credit history, a lender isn’t inclined to trust you. A secured card is a way to prove to a lender you can be responsible while the lender minimizes risk.

[Make sure you understand HOW to use a secured card before you get one.]

In order to open a secured card, you put down a deposit and the lender gives you a line of credit – typically the same as the amount you put down. Not all secured cards operate the same way. Some secured cards charge an annual fee while others require steep deposits.

Before you start applying haphazardly, see if your local bank or credit union offers a competitive secured card. With no credit, you may have an easier time being approved with a financial institution you’ve already established a relationship with. If the fees and deposit required from your local bank or credit union seem to steep, be sure to check out the options below.

Below, we’ve outlined secured cards with a variety of conditions, but all of which tend to approve people with no credit history.

If you’re a current college student looking to build credit, then apply first for a student credit card instead of a secured card.

Discover it® Secured Card - No Annual Fee

Discover it<sup>®</sup> Secured Card - No Annual Fee
Discover has a market leading secured credit card and even if you don’t have any credit history at all, it is still possible to get approved. This card is best for people with no credit, or scores of 670 or less.

There is no annual fee, but you need to make a security deposit of $200 or more to establish your credit line. Our favorite feature is the automatic review process. Discover offers automatic monthly reviews starting at 8 months to see if you can be transitioned to an account with no security deposit.

You also get to earn earn cash back: 2% at restaurants and gas stations (on up to $1,000 in combined purchases each quarter). Plus, you get 1% cash back on all your other purchases. To avoid paying interest, pay your balance in full and on time every month.

APPLY NOW Secured

on Discover Bank’s secure website

Rates & Fees

State Department Federal Credit Union

Savings Secured Visa Platinum Card from State Department Federal
SDFCU’s EMV Savings Secured Visa Platinum Card sounds elite, but you can be eligible for as little as $5, as long as you have the $250 for the deposit.

You are eligible to join the SDFCU if you’re an employee of the Department of State or one of the extensive organizations with ties to the credit union (all listed here under “who can join”). If you don’t work for the Department of State, you may also be eligible through the American Consumer Council. You can join the ACC for only $5 if you’ve used any major consumer product or service within the past 12 months – and you probably have.

APPLY NOW Secured

on State Department FCU’s secure website

USAA Secured Card Visa Platinum®

USAA Secured Card<sup>®</sup> Visa<sup>®</sup>Platinum
The comes with one big catch, you have to be a USAA member or have military affiliation personally or through family in order to become a member.

USAA’s secured card comes with a $35 annual fee and you must put a deposit of $250 – $5,000 into a CD in order to open the secured card. This deposit will be your credit limit. The variable APR can range from 11.40% to 21.40%, so never carry a balance on the card.

Navy Federal nRewards Secured Card

nRewards Secured Credit Card from Navy FCU
Navy Federal Credit Union also requires military affiliation to be eligible for it’s nRewards Secured Card. It also comes with the hefty deposit of $500. There is no annual fee and a variable APR starting at 8.99%.

While there is a rewards aspect of this card, we recommend ignoring it and focusing on building your credit score above 700 so you’re eligible for a truly competitive rewards credit card.

DCU Visa Platinum Secured Card

DCU Visa Platinum Secured from Digital FCU The Visa Platinum Secured Card comes with a hefty minimum deposit of $500, but doesn’t have an annual fee. However, you will need to pay to join this credit union if you aren’t already a member.

  • Cost to join – $5 to join DCU + membership costs to join eligible organization if you aren’t eligible
  • Minimum deposit – $500

Just like with USAA and Navy Federal, you must be a member to be eligible. Except with the DCU, it’s easy to become a member. You can be eligible to join DCU if a relative is already member, if your employer offers membership or your community is included within field of membership. If none of these apply, you can join an organization with member privileges. Joining these organizations range in membership cost from $25 to $120. Once you join DCU, you have a lifelong membership, so you could cancel a membership with the other organization after joining.

APPLY NOW Secured

on Digital Federal Credit Union (DCU)’s secure website

Capital One® Secured Mastercard®

Capital One<sup>®</sup> Secured Mastercard<sup>®</sup> If you can’t afford a hefty deposit of $110 – $500, consider the Capital One® Secured Mastercard®.

Capital One offers a secured card with a $49 minimum deposit for a $200 line of credit.

Unfortunately, the $49 deposit isn’t a guarantee because it’s based on “creditworthiness.” It is possible Capital One will ask for a deposit of $99 or $200, especially if you have no credit history.

APPLY NOW Secured

on Capital One’s secure website

 

Harley Davidson Visa Secured Card from U.S. Bank

Harley-Davidson Visa Secured Card from US Bank
We know it seems a little strange, but the Harley Davidson Visa Secured Card from US Bank offers a good option for those not interested in paying to join a credit union and trying to avoid an annual fee (aren’t we all?).

Here are the details:

  • 24.24% variable APR – so don’t carry a balance
  • Minimum deposit – $300
  • No annual fee

View other options on our Secured Credit Card Comparison Table

Advertiser Disclosure: The card offers that appear on this site are from companies from which MagnifyMoney receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). MagnifyMoney does not include all card companies or all card offers available in the marketplace.

Erin Lowry
Erin Lowry |

Erin Lowry is a writer at MagnifyMoney. You can email Erin at erin@magnifymoney.com

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Best of

The Most Transparent Credit Cards

Editorial Note: The editorial content on this page is not provided by any financial institution and has not been reviewed, approved or otherwise endorsed by any of these entities prior to publication.

MagnifyA+

At MagnifyMoney, we want to help create a simpler, cheaper and more transparent banking system. Part of that mission means finding ways to praise products that remove complexity, while punishing those products that add layers of fine print and confusing terms. In order to make it easy for our users to sort the good from the bad, we created the MagnifyMoney Transparency Score.

We have a very simple approach: the more fees, fine print and complexity, the lower the score.

We have made a small change to the Transparency Score for our Balance Transfer Credit Cards, and we wanted to explain that change to you today.

For a balance transfer credit card, we look at 3 areas in order to determine the grade:

  • Fees: the more fees your charge (for example – late, over-limit, foreign exchange), the lower your score
  • Interest Rates: we don’t like when credit card companies say that your interest rate can be anywhere between 2% and 30%. And then you have to apply for the credit card (which means you accept the terms), only to be told your interest rate after you have been accepted. So, the wider the pricing band, the worse the score. So, someone who offers 9.99% – 15.99% would be rewarded more than someone who offers 4.99% – 22.99%, because you have a better indication of your interest rate before applying.
  • Marketing: we believe that the key terms should be clearly disclosed in the marketing message, and not hidden in the fine print. The easier it is for us to figure out the terms and conditions, the better the score.

These 3 pillars of our score have not changed. However, we have tweaked our highest score, which is an A+. We will award an A+ to a credit card if:

  • There are no “junk” fees of any kind. That means no balance transfer, late, over-limit, returned payment or foreign transaction fee can be charged. This remains the same as before.
  • The marketing message clearly identifies the terms, which also remains the same as before.
  • We have tweaked the criteria for pricing. Before, you could only receive an A+ if you had a single price point disclosed up front. However, we recognized that by limiting the price points, we will only ever give an A+ rating to a card that targets people with the highest credit score. So, we changed the criteria so that you are eligible for an A+ if the range of possible interest rates is fewer than 10 percentage points.

We still hope that banks and credit unions will provide more transparency on pricing before people apply.

At the moment, there is still only one credit card that meets this criteria: PenFed Promise Visa® Card.  We applaud the simplicity of PenFed Promise Visa® Card, and we hope that other products will join Promise over time, as the banking system becomes simpler, cheaper and more transparent.

Advertiser Disclosure: The card offers that appear on this site are from companies from which MagnifyMoney receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). MagnifyMoney does not include all card companies or all card offers available in the marketplace.

Nick Clements
Nick Clements |

Nick Clements is a writer at MagnifyMoney. You can email Nick at nick@magnifymoney.com

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Banking Apps, Best of, Consumer Watchdog

Best and Worst Mobile Banking Apps: From 100+ Banks and Credit Unions

Editorial Note: The editorial content on this page is not provided by any financial institution and has not been reviewed, approved or otherwise endorsed by any of these entities prior to publication.

Overdraft_lg_mobile vs trad

Having a mobile banking app that works reliably is more important than ever as the number of consumers using mobile apps to deposit checks has grown over five times since 2011 according to a recent Pew study.

MagnifyMoney compiled the ratings of iOS and Android banking apps from over 100 of the biggest banks and credit unions, including the 50 largest banks and 50 largest credit unions along with a selection of top online direct banks.

The data, collected from iTunes and Google Play the week of November 20, was used to create a composite 1 to 5 rating factoring a weighted average of the ratings from both the iOS and Android platforms.

The best and worst mobile banking apps include:

  • Best Big Bank App: Capital One (4.1)
  • Best Credit Union App: Eastman Credit Union, ESL Credit Union, Redstone Federal, SEFCU, VyStar (tie: 4.7)
  • Best Regional Bank App: East West Bank (4.5)
  • Best Online Direct Bank App: Simple (4.6)
  • Worst Big Bank App: Citibank (3.1)
  • Worst App Overall: UMB Bank (2.5)

You can read more about the findings below these graphics…

10 Best and Worst across all banks and credit unions reviewed

MobileAppRatingsGraphic-SummaryAllSizes

 

Best and Worst among the 10 biggest banks and credit unions

MobileAppRatingsGraphic-LargestInstitutions

Credit unions top the ratings

8 of the 10 highest ranked apps were from credit unions. Five credit unions shared the very top average score of 4.7, including Eastman Credit Union, ESL, Redstone Credit Union, SEFCU, and VyStar Credit Union.

Simple was the only online direct bank in the top 10, while East West Bank was the only traditional bank in the top 10 with a 4.5 rating.

Of the 10 highest ranked apps, 9 of them used an interface from an external app developer, Digital Insight, including all 8 credit unions and East West Bank. This is in contrast to internal development favored by larger banks. The un-flashy Digital Insight interface (pictured below) was cited for simplicity and reliability by users.

DigitalInsightInterface

Bank apps have room for improvement

Across all institutions surveyed the average rating was 3.8 out of 5.0, with traditional banks averaging 3.7, online direct banks best at 4.0, and credit unions at 3.9.

Among the 10 lowest rated apps only two were from credit unions, while 7 were from traditional banks. Only one traditional bank’s app ranked among the top 10 highest rated.

Capital One has the best app among big banks, while Citibank lags.

Among the 10 largest banks in the country, the average rating ranged from a high of 4.1 for Capital One to a low of just 3.1 for Citibank. Capital One’s app was cited for its ‘Sureswipe’ feature and reliability.

Screen Shot 2014-12-08 at 3.18.53 PM

Citibank’s app was cited for crashing during check deposits and a low limit for mobile deposits of just $1,000 per day. In comparison online direct bank Ally recently raised its mobile deposit limit to $50,000 per day.

Screen Shot 2014-12-08 at 3.20.44 PM

The average for all traditional banks surveyed was 3.7.

SunTrust bank had the lowest rated iOS app among the 10 largest banks at 2.1, while PNC bank had the lowest rated Android app at 3.4.

Simple leads online direct banks.

Among the online direct banks reviewed, Simple had the highest rating at 4.6, while Ally had the lowest at 3.1. Ally’s app received complaints for mobile deposit issues following a recent update as well lacking more advanced login options.

Screen Shot 2014-12-08 at 3.23.41 PM

UMB Bank takes the bottom.

The lowest rated app overall was from UMB Bank, with a 2.5 combined rating. The app has not been updated since 2011, lacks a mobile check deposit feature and is no longer compatible with the latest devices.

Untitled

Android users are more satisfied

Across banks, credit unions, and online direct institutions, Android users were significantly more satisfied, with an average 4.0 rating versus 3.1 for iOS users. iOS users tend to have more complaints about apps not leveraging the latest hardware capabilities.

Methodology

App ratings were recorded the week of November 20, 2014 in iTunes and the Google Play store and include ratings for all app versions. Overall ratings are a weighted average of iOS and Android ratings based on the number of reviews for each platform. Institutions with no mobile apps were excluded from ranking summaries.

The 50 largest banks are defined as those with the largest deposits per FDIC data June 2014 were examined. Banks with fewer than 200 app ratings were excluded, as were those that primarily target investment accounts.

Among credit unions, the 50 largest by assets according Bauer Financial, March 2013, were examined. For online direct banks, 10 of the largest Online Direct Banks were chosen by number of app ratings.

Don’t forget to follow us on Twitter @Magnify_Money and on Facebook.

Advertiser Disclosure: The card offers that appear on this site are from companies from which MagnifyMoney receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). MagnifyMoney does not include all card companies or all card offers available in the marketplace.

Brian Karimzad
Brian Karimzad |

Brian Karimzad is a writer at MagnifyMoney. You can email Brian at brian@magnifymoney.com

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Best of

MagnifyMoney Awards First A+ Transparency Score to PenFed Promise Visa® Card

Editorial Note: The editorial content on this page is not provided by any financial institution and has not been reviewed, approved or otherwise endorsed by any of these entities prior to publication.

TransparencyScore

Update: As of November 1, 2014, the PenFed Promise Visa® Card balance transfer is no longer for 48 months. It’s new promo is 4.99% APR for 12 months. While the simplicity and transparency is still great, there are other balance transfer offers that are longer and offering a lower rate. Go to our balance transfer table to review offers

Today, we announced the creation of a new grade in our MagnifyMoney Transparency Score for Balance Transfers: an A+.

MagnifyA+When we created MagnifyMoney, our goal was to help people save money, by making it easy to compare, ditch and switch financial products. But we also had a bigger goal. We wanted to reward simpler, more transparent products. So, we designed the Magnify Transparency Score.

Sometimes banks offer a great deal, but if you make just one mistake, a tsunami of fees, charges and penalties can wipe out any previous benefits that you enjoyed. Those fees and conditions are usually buried in the fine print. So, our Transparency Score is very simple: we reward credit cards that have fewer penalty fees and ambiguity.

When we created the site, we had reviewed hundreds of credit cards. And one credit card stood out from the rest. In fact, I couldn’t believe the simplicity of the card when I read the terms and conditions. It was the PenFed Promise Visa® Card.

PenFed Promise Visa® Card
They don’t just choose one fee to waive, and advertise it. With this card, PenFed has waived almost every fee imaginable, and has removed the ambiguity. Here is the summary:

  • There is a 9.74% – 17.99% variable APR on purchases. You know the interest rate before applying.
  • There is no foreign transaction fee
  • There is no annual fee
  • There is no late fee, returned payment fee or risk-based re-pricing

When I started the product review many months ago, I never imagined we would find a card like PenFed Promise Visa® Card, which had literally removed all of the worst gotchas. But, given that PenFed is a credit union, we shouldn’t be surprised.

So, we decided to create a new category: an A+. Any credit card that waives all penalty fees and discloses your interest rate up-front can also receive an A+ rating. But, for now, we have only found PenFed.

If you think we have missed a card, please let us know. We continue to add products to our database every day, but none have come close.

Just a few bits of advice if you decide to apply for the card:

  1. You must have a good credit score. Based upon our conversations with PenFed, it sounds like 700 is the most likely minimum (although they will be testing lower).
  2. Your debt burden should be below 50%
  3. If you are not a member of the credit union, don’t worry. You can join as part of the credit card application process online. You just need to give a donation of about $15 (and you can give more!) to support our troops.

PenFed is very aggressive with low rates on other lending products. They have great deals on mortgages, auto loans and other personal loans. If you join the credit union for this credit card, then you will have access to their other market-leading offers.

PenFed has an ambition to reach $75 billion of assets. They really want to shake up the banking market in big ways. We will continue to watch their product set closely, but so far we are impressed. And we think a lot of Americans could save a lot of money if they joined that credit union and moved their debt.

Want regular updates about the best financial products out there? Then sign up for our Price Checker Newsletter. Twice a month, we’ll deliver the best-of-the-best right to your inbox.

Advertiser Disclosure: The card offers that appear on this site are from companies from which MagnifyMoney receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). MagnifyMoney does not include all card companies or all card offers available in the marketplace.

Nick Clements
Nick Clements |

Nick Clements is a writer at MagnifyMoney. You can email Nick at nick@magnifymoney.com

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