If you are looking for a basic credit card for purchases or for emergencies, you may want to check out the Sikorsky Financial Credit Union Visa Classic credit card. It has no annual fee and a relatively low interest rate. It also comes with a couple of additional perks offered by Visa.
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Although the Classic Visa offers some good benefits, this particular one is only available for members of Sikorsky Financial Credit Union. The credit union started out helping Connecticut members of United Aircraft, but it has since expanded to allow membership to a variety of individuals.
Features of Sikorsky FCU Visa Classic Credit Card
With no annual fee, the Classic Visa from Sikorsky Financial CU is a good credit card to have, especially if you don’t care to have a rewards credit card, which usually has a fee for annual membership. The APR can vary, but currently the interest rate is 12.9%, which is below the national average for credit card rates.
The interest rate applies for purchases, transferring a balance, and cash advances. You have 25 days to pay off your purchase balance before you are charged interest on the total amount owed.
Depending on your credit history and other information, your credit line will be a minimum of $500.
Because it is a Visa credit card, you automatically get up to $250,000 worth of travel accident insurance. You also get insurance for rental cars when you use your Classic Visa to pay for the rental.
Sikorsky Financial Credit Union Membership Information
Credit unions can offer a wide variety of benefits to their members and Sikorsky Financial is no exception. It is based out of Connecticut so if you volunteer, work, or live in New Haven, Fairfield, or Hartford counties, you can apply for membership.
If a member of your household or immediate family is already a member of Sikorsky Financial Credit Union, you are automatically allowed to join. You only need $5 to open your first account and have access to all its products and services.
To locate a credit union in your neighborhood, check out the map at the My Credit Union website.
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