The following table is a typical model many credit unions utilize for determining credit card rates. Each credit union has it’s own version. Ask them for it!
| Credit Score | Tier | APR | Rewards |
| 730+ | A+ | 8.95% | 10.95% |
| 680-729 | A | 10.95% | 12.95% |
| 640-679 | B | 12.95% | 14.95% |
| 600-639 | C | 14.95% | 16.95% |
| 500-599 | D | 17.95% | NONE |
| 549 or Less | E | 17.95% | NONE |
