Team One Credit Union

With so many credit cards to choose from, finding the right card can be difficult. Team One has put together a checklist and comparison chart to help you choose the card that best fits your purchasing needs.

Low Annual Percentage Rate

If you plan to carry a balance you should find a card with a low fixed APR. The interest rate on credit union credit cards averages three percentage points lower than the rate on cards issued by banks, according to Greg McBride, a financial analyst for Bankrate.com. Team One offers low, fixed rates starting at 9.9% APR.
No Annual Fee

Don’t pay to carry someone else’s card. Choose a Team One Visa Platinum with No Annual Fee.
Customer Service

Knowing who you’re dealing with means a lot. With many credit card companies, you have to call an 800 number in another state where you don’t know who is helping you. Here at Team One, you can always speak with a friendly member service representative during business hours and you can access your Team One Visa account information online 24/7 at www.ezcardinfo.com. At Team One you’re treated like a person not a number.
Reward Programs

Many credit card companies have reward programs where you earn points for every dollar that you charge on a credit card. Team One CU offers ScoreCard Bonus Points, which are earned for every dollar spent. These points can be accumulated and redeemed for great gifts, travel rewards, hotel discounts and much more! For a free ScoreCard Rewards catalog, please visit the branch nearest you or visit www.scorecardrewards.com.
Credit Limit

As you may be aware, most credit card companies offer you low credit limits. With a Team One Visa you can request credit lines up to $20,000.
Fees

Some of the nation's biggest credit card companies have increased their late payment penalty fees to $35. And your interest rate could shoot way up—another penalty for late payment. Credit unions generally charge at least $6 less on late fees for credit cards than banks. Team One’s late payment fee is 5% of the late payment amount.

Disclosures

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	Team One Credit Union 520 Hayden St. Saginaw, MI 48607	We Do Business In Accordance With the Federal Fair Housing Law and the Equal Credit Opportunity Act.

Team One's Regulatory Agency Your savings federally insured to at least $100,000 and backed by the full faith and credit of the United States Government.
© 2006 Team One Credit Union - All Rights Reserved