According to Forbes Advisor on September 25, 2023, "The average overall APR across credit cards we track in our database is 28.05% this week, down from last week. Our overall average calculation includes airline, hotel, flexible rewards, cash back, 0% APR, balance transfer, student and business credit cards."

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*APR = Annual Percentage Rate. The APR is subject to change to reflect any change in the index and will be determined by the Prime Rate on the first day of each quarter (January, April, July, and October) of each year as published in The Wall Street Journal. All cards are subject to approval. Card limit and rate based on the credit qualifications. The Balance Transfer Fee is $5.00 or 2.00% of the amount of each balance transfer; whichever is greater (maximum fee is $50.00). **Rewards are available on the VISA Platinum Rewards card only. One point is earned for every one dollar spent (minus returns) and is redeemable towards merchandise, travel, or gifts cards.***Secured VISA cards are only available with the VISA Platinum Card and are subject to approval. All secured VISA cards are reviewed annually to determine if the account qualifies for conversion to a traditional card based on the credit qualifications and payment history. The approved credit card limit is determined upon application approval and will be on hold in the Share Savings Account.