Bank & Credit Union Product Snapshot – November 2015

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Written By

Updated on Tuesday, January 12, 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) 29.99% – Continental Finance Surge MasterCard

(Credit union) 23.24% – Alliant Credit Union Visa Platinum Rewards

Lowest disclosed APR

(Bank) 6.25% – Whitney Bank Preferred Visa Platinum

(Credit Union) – 5.15% – San Francisco FCU Visa Platinum Rewards

Longest 0% balance transfer offer

(Bank) 24 months – Santander Sphere Visa Signature

(Credit Union) 18 months – TruWest Credit Union Visa Platinum

Highest cash back rewards with no spending limits or annual fees


(Bank) 3% – AARP Credit Card from Chase, Farmers Rewards Visa

(Credit Union) 5% – Fort Knox FCU Visa Platinum, PenFed Platinum Cash Rewards


(Bank) 3% – Santander Bravo MasterCard

(Credit Union) 3% – Consumers Credit Union Visa Signature Cash Rebate Card, Golden 1 Platinum Rewards


(Bank) 5% – Sam’s Club MasterCard

(Credit Union) 4.30% – PenFed Premium Travel Rewards American Express


(Bank) 3% – AARP Credit Card from Chase, Sam’s Club MasterCard

(Credit Union) 3% – Golden 1 Credit Union Platinum Rewards, Power Travel Rewards World MasterCard By Security Service FCU

Highest Savings Account Rate – $10,000 Balance

(Online) – 1.10% MySavingsDirect

(Credit Union) – 1.05% Quorum FCU