Unlike bank credit cards, Union Plus Credit Card are issued by credit unions. Nonprofit credit unions offer low-interest loans to members based on pooled deposits. You can build credit by joining a credit union if you follow the right steps. As an example, if you have bad credit and join a credit union, you may wish to consider a secured credit card. Also, if you aren’t familiar with credit, this could be an option for you.

Credit Approval Is Required For All Products

Rate Advantage Purchase and Transfer APR:  0% introductory fee for the first 15 months from the account opening date; So variable 11.15%, 17.15% or 21.15% depending on solvency. Transfer fee: 3% of the value of all transferred funds shown in your account during the first 15 months of opening your account, or with any promotional APR we may offer you at any other time. None for transfers intended to acquire the APR after the first 15 months of opening your account.

Primary Access Purchase APR: 23.49% Variable APR. APRIL transfer: 23.49% variable. Transfer fee: 3% of the value of all transferred funds credited to your account in any promotional APR we may offer you. None for transferred APR credits.

Terms applicable to Cash Rewards, Rate Advantage, and Primary Access Cards: Cash Advance APR: 24.24% variable. Variable APRs vary by market based on the base rate. Cash Advance Fee: More than 4% of each Cash Advance amount or $10.

1Benefits Limitations: These Emergency Assistance Grants are provided and administered through the AFL-CIO Mutual Benefit Plan (“the Plan”). Grant amounts can range from $500 to $2,700 and vary by grant type. Specific eligibility criteria may vary depending on the type of scholarship. Certain restrictions, limitations and qualifications apply, including (but not limited to).