ACH stands for Automated Clearing House, a U.S. financial network used for electronic payments and money transfers. Also known as “direct payments,” ACH payments are a way to transfer money from one bank account to another without using paper checks, credit card networks, wire transfers, or cash.
Compare Cards | ![]() People's CU Savings Secured | Local Bank One | Local Credit Union | Local Credit Union Two | National Bank One |
---|---|---|---|---|---|
Promotional APR for Purchases and Balance Transfers | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
Lowest APR for Purchases | 10.24% | 29.24% | 29.24% | 20.15% | 25.99% |
Lowest APR for Balance Transfers | 10.24% | 29.24% | 29.24% | 20.15% | 25.99% |
Annual Fee | None | $25.00 | None | $99.00 | $12.00 |
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APR (Annual Percentage Rate) for purchases, balance transfers, and cash advances- A fixed introductory rate of 0.00% will apply through your account's first twelve billing cycles. After that, your variable APR will be 9.99% (as of 8.15.2023). This APR will vary with the market based on Wall Street Prime & creditworthiness.