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Bank & Credit Union Product Snapshot – December 2016

Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It may not have been reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through a credit card issuer partnership.

Written By

MagnifyMoney
MagnifyMoney

Updated on Friday, December 30, 2016

A snapshot of the best and worst from MagnifyMoney.com’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 from UNIFY Financial CU

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

Gas

(Bank) 3% – Farmers Rewards Visa
(Credit Union) 5% – PenFed Platinum Cash Rewards, Platinum Visa® from Abound Credit Union

Groceries

(Bank) 3% – Cash Rewards American Express® Card from Camden National Bank
(Credit Union) 3% – Platinum Visa® from Abound Credit Union, Golden 1 Platinum Rewards Credit Card,Signature Visa Card from State Employees CU Of Maryland

Travel

(Bank) 5% – The Upromise Mastercard By SalliMae
(Credit Union) 4.25% – PenFed Premium Travel Rewards American Express® Card

Dining

(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) – 1.15% Popular Direct Savings from Popular Direct
(Online) – 1.10% eOne Savings By Salem Fivedirect

Advertiser Disclosure: The products that appear on this site may be 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 financial institutions or all products offered available in the marketplace.

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Advertiser Disclosure Comments
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Our Fine Print

We hate fine print. We created this entire site because of the nasty fine-print habits of other companies. Unfortunately, the legal team insist we include the following:

MagnifyMoney is not a lender, does not broker loans to lenders and does not make personal loans or credit decisions. This website does not constitute an offer or solicitation to lend.

Offers provided to customers who originated via a paid Google or Bing advertisement feature rate quotes on LendingTree of no greater than 35.99% APR with terms from 61 days to 180 months. Your actual rate depends upon credit score, loan amount, loan term, and credit usage and history, and will be agreed upon between you and the lender. For additional loan options, please call 800-339-4896. An example of total amount paid on a personal loan of $10,000 for a term of 36 months at a rate of 10% would be equivalent to $11,616.12 over the 36 month life of the loan.

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For complete details on any product see the terms and conditions on the financial institution's website.

MagnifyMoney is a free, independent service providing unbiased comparisons of financial products, therefore if we are compensated then we will let you know on the product page before you leave our website.

Once you click to apply for an offer, you will be directed to a third-party website at which point you should give the fine print a gut check

While we trudge through the fine print for you, we are only offering a summary not all the intricate, legal conditions (which is why you wanted our opinion anyway, right?).

Be sure you do understand the full terms provided by the financial institution before signing the dotted line, or lets be real, clicking the "I Agree" button.

We do our best to make sure our calculations are up-to-date, but we are human and can't make warranties regarding the accuracy of our information. If you find an error please let us know here.