The Teacher FCU is a credit union that allows residents of Long Island to join, even if they do not work in the education sector. Offering low interest credit cards that are specifically tailored for those with high balances, the Teachers Federal Credit Union accepts consumers that have a limited credit history.
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The Teachers FCU No Frills Visa Classic credit card has associated additional benefits or rewards programs available. In order to apply for the Teachers FCU No Frills Visa Classic card, you will first need to have a bank account or mortgage with this financial institute. Applicants must also be 21 or older; otherwise, a co-applicant that is financially stable must also be included on the application.
Teachers FCU No Frills Visa Interest Rates
The APR on Teachers FCU No Frills Visa Classic low interest credit cards does not go above 9.84% interest. Cardholders are given the option of having existing balances from higher interest credit cards moved over to the Teachers FCU No Frills Visa Classic in order to lower their monthly payments.
The only other fees that apply to these credit cards are over the limit and late payment charges. If payments are not received by the Teachers Federal Credit Union, cardholders may need to extend an $18 additional fee for every late payment made. Smart Money features a calculator that helps users to determine which credit cards have the best interest rates as well as the total amount of debt they will end up paying off.
Teachers FCU No Frills Visa Benefits
While the Teachers FCU No Frills Visa Classic does not come with any rewards benefits programs, cardholders do not have to worry about their interest rates being jacked up. When timely payments are made, the APR does not change.
The balances on other credit cards can be paid off swiftly if the balance transfer feature on the Teachers FCU No Frills Visa Classic credit card is utilized. Even consumers that have never had a credit card before can qualify for the FCU No Frills Visa if they are able to show that they have the ability to repay their debts.
Check out online credit cards at credit card chaser!
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