According to the NCUA, “The National Credit Union Administration, commonly referred to as NCUA, is an independent agency of the United States government that regulates, charters and supervises federal credit unions. NCUA also operates and manages the National Credit Union Share Insurance Fund (NCUSIF). Backed by the full faith and credit of the U.S. government, the NCUSIF insures the accounts of millions of account holders in all federal credit unions and the vast majority of state-chartered credit unions.”
| Compare Cards |  People's CU Savings Secured |  Local Bank One |  Local Credit Union |  Local Credit Union Two |  National Bank One |
|---|---|---|---|---|---|
| Promotional APR for Purchases and Balance Transfers | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| Lowest APR for Purchases | 7.75% | 29.74% | 29.74% | 20.40% | 26.24% |
| Lowest APR for Balance Transfers | 7.75% | 29.74% | 29.74% | 20.40% | 26.24% |
| Annual Fee | None | $25.00 | None | $99.00 | $12.00 |
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Annual Percentage Rate (APR) are lowest and subject to change without notice. The advertised APR based on a credit score of 700 or higher. Other rates are available based on creditworthiness. APR (Annual Percentage Rate) for purchases, balance transfers, and cash advances- A fixed introductory rate of 0.00% will apply through your account's first twelve billing cycles. After that, your variable APR will be 7.75% (as of 11.08.24). This APR will vary with the market based on Wall Street Prime & creditworthiness.