November 20, 2009
Good Credit Unions
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If you have a bank credit card that is charging you a high interest rate, consider doing a balance transfer to one of the following Credit Unions. Expect to see more Credit Unions added to this list in the near future.

CALIFORNIA

 Patelco Credit Union, San Francisco

  • Assets $3.9 Billion
  • APR's: 10.9%-14.9% fixed
  • Rewards: As an "option" with $25 Annual Fee
  • Cash Advance Fee: 2.5% (ATMs)
  • Foreign Transaction Fee: 1%
  • Over limit Fee: $10
  • Late Fee: $10

San Francisco Federal Credit Union, San Francisco

  • Assets: $798 Million
  • APRs: 5.15%-11.15%variable
  • Over limit Fee: $10-$15
  • Late Fee: $5-$15
  • Balance Transfer Fee: 1%

San Francisco Police, San Francisco

  • Assets: $686 Million
  • APRS; 9.9% or 10.9% fixed
  • Intro: 3.9% on BTs through June 2010
  • 25 day grace
  • Over limit: $10
  • Late Fee: $15
  • Min Pay: 2% or $25
  • Foreign Txn Fee: 1%
  • BT Fees: None

Golden 1 Credit Union (Largest CU in California)

  • Based in Sacramento...Branches and Membership Available in San Francisco
  • Assets: $7.0 Billion
  • APRs: 9.9%-14.9% fixed
  • Penalty: 17.5% fixed
  • Rewards Program: No Additional Fee
  • 25 day grace
  • 1% Foreign Transaction Fee
  • Balance Transfer Fees: None for 90 days. Thereafter 2% or $50 max
  • Late Fee: $15
  • Over limit Fee: $10


NEW JERSEY

 Novartis Federal Credit Union

  • Fixed Rate as low as 9.90%
  • No Balance Transfer Fees
  • No Annual Fees
  • 25 Day Grace Period
  • $10 Late Fee

Rutgers Federal Credit Union

  • Fixed Rate as low as 9.90%
  • No Balance Transfer Fees
  • No Annual Fees
  • 25 Day Grace Period
  • $20 Late Fee

Mid State Federal Credit Union: COMMUNITY Credit Union

  • Fixed Rate as low as 9.90%
  • No Balance Transfer Fees
  • No Annual Fees
  • 25 Day Grace Period
  • $15 Late Fee


TEXAS

 JSC Credit Union (Johnson Space Center)

  • 16 Branches South & Southwest Houston (281)488-7070
  • www.jscfcu.org
  • $1.2 Billion in Assets
  • APR: 8.75%-15.75%
  • Late Fee: $5
  • Over limit Fee: $5
  • Balance Transfer Fee: NONE

People's Trust
  • 777 Walker Street
    Houston, TX
    (713) 428-3200
  • www.peoplestrustfcu.org
  • $420 Million in Assets
  • APR: 9.9% – 11.9%
  • Late fee: 5% of the payment amount due or $25.00
  • Over limit Fee: $20
  • Balance Transfer Fee: None
  • Min Pay: 2% or $18

Smart Financial Credit Union: 17 Branches in Central Houston
  • 4615 Southwest
    Houston, TX
    (713)850-1600
  • www.smartcu.org
  • APR: 8.49%-17.79%
  • Balance Transfer Fee: NONE
  • Late Fee: 5% of the minimum payment
  • No Annual Fee

Primeway Financial: 7 Branches Central Houston
  • 3303 Main Street
    Houston, TX
    (713)799-6200
  • www.primewayfcu.com
  • $261 Million in Assets
  • APR: 6% -17%v
  • Late Fee: $35
  • Over limit fee: $35
  • Balance Transfer Fee: None
  • Min Pay: 1% or $25.00

First Community Credit Union of Houston
  • 15260 FM 529
    Houston, TX
    (281) 856-5300
  • www.fccu.org
  • $653 Million in Assets
  • APR: 8.99%-17.00%f
  • Min Pay: 3% or $18
  • Other Fees NOT LISTED On Site