Credit cards offer convenience and enhanced security over carrying cash. Identifying the type of card that is best for you based on your usage and what your goals are is key to maximizing benefits and value of any credit card. Consider these important tips:

1 If You're Looking to Build Your Credit...

If you have either a brief or poor credit history, begin building a solid credit rating by obtaining a secured credit card. This kind of credit card is secured by collateral such as savings accounts or bonds. Paying your bill regularly with this kind of card can aid you in building a solid credit history for your future.

2. If You Pay Your Balance in Full Each Month...

Choose a care with:
• No annual fee
• A rewards program allowing you to earn points for purchases

RCU's Visa cards come with no annual fee and an optional CURewards program, allowing you to earn points for every dollar charged. Points can be redeemed for travel or merchandise. RCU Member Doris accumulated enough rewards points to take her family on a trip to Hawaii!

3If You Use Your Credit Card as a Cash Flow Tool...

Choose a card with:
• A low interest rate if you carry a balance
• No annual fee

RCU offers low fixed rates on both Visa Platinum and Classic cards, both with no annual fee.

4. If You Make Balance Transfers to Consolidate Debt...

Choose a care with:
• A balance transfer rate offered for an extended period of time
• A low standard interest rate
• No fee for balance transfers

Your Credit Union offers a special balance transfer rate of 6.90% APR for two years (adjusts to standard rate as low as 9.90% thereafter).