Bank & Credit Union Product Snapshot – August 2016

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Written By

Updated on Tuesday, August 23, 2016

A snapshot of the best and worst from’s proprietary database of over 3,000 financial products from over 800 banks and credit unions. Please contact Kellie Pelleiter ([email protected]) for additional data requests.

Highest late fee

$49 – Regions Bank Visa Business Credit Card

Lowest late fee

$0 – Citi Simplicity, PenFed Promise

Highest disclosed APR

(Bank) 30.24% – Continental Finance Surge MasterCard
(Credit union) 23.49% – Alliant Credit Union Visa Platinum Rewards

Lowest disclosed APR

(Bank) 6.90% – USAA Rate Advantage Platinum MasterCard
(Credit Union) – 5.24% – Variable Rate Credit Card By Western FCU

Longest 0% balance transfer offer

(Bank) 24 months – Santander Sphere Visa Signature
(Credit Union) 18 months – TruWest Visa Platinum Card, TruWest Platinum Points Visa Rewards Credit Card

Highest cash back rewards with no spending limits or annual fees


(Bank) 3% – Wells Fargo Propel American Express Card, Farmers Rewards Visa
(Credit Union) 5% – PenFed Platinum Cash Rewards


(Bank) 2.08% – Cash Rewards American Express Card By USAA
(Credit Union) 3% – Golden 1 Platinum Rewards Credit Card, Visa Signature Card By Consumers CU


(Bank) 5% – The Upromise Mastercard By SalliMae
(Credit Union) 3.40% – Citi ThankYou® Premier Card


(Bank) 5% – The Upromise Mastercard By SalliMae
(Credit Union) 3% – Golden 1 Credit Union Platinum Rewards, Power Travel Rewards World MasterCard By Security Service FCU,Signature Visa Card By State Employees CU Of Maryland

Highest Savings Account Rate – $10,000 Balance

(Bank) – 1.10% Savings Account By The Palladian Private Banks Bank
(Online) – 1.10% eOne Savings By Salem Fivedirect