Not many credit cards give you an option to get a lower interest rate, but the Tinker Federal Credit Union Visa card does. In fact, if you choose to pay the small annual fee to receive a smaller interest rate, you will find that the card offers one of the lowest non-introductory interest rates available today. And with the full backing of TFCU, you know that you are protected from fraud.
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In addition to the Visa card, Tinker Federal Credit Union also offers a standard MasterCard, a Gold MasterCard, and a Visa Platinum. And since all the cards come with their own set of perks and benefits, it is best to look at all your options carefully before making a decision on the best credit card.
Fees and Rates for the TFCU Visa Card
As mentioned earlier, you can choose the interest rate that you pay with the TFCU Visa card. First off, you will receive a special introductory rate of 3.99% on all purchases made with the Visa card. And while this does not pertain to balance transfers and cash advances, you can save a lot of money if you use the card for purchases and pay the balance on the credit card before the end of the six months.
After the first six months, the interest rate for the card increases. However, how much it increases depends on you.
Learn ways to protect yourself from paying too much in interest on your credit cards by visiting the Better Business Bureau website.
Lowering Your Interest Rate with the Visa Card from TFCU
As far as the annual credit card fee goes with the TFCU Visa, you can either pay nothing or you can pay $25.
If you choose not to pay an annual fee, then your interest rate for the card will be 8.75%, 9.75%, or 10.75%.
Your rate is determined by your creditworthiness.
If you choose to pay the $25 annual fee, your interest rate immediately drops by 60 points at each level – 8.15%, 9.15%, and 10.15%.
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