The base multi-factor authentication tool does not accept a foreign number when confirming your identity. However, you may use a foreign phone number when using an authenticator app such as Google Authenticator, Authy, and Duo. Learn about authenticator apps with this FAQ.
*Disclosures and Details:
Annual Percentage Rate (APR) are lowest and subject to change without notice. The advertised APR based on a credit score of 700 or higher. Other rates are available based on creditworthiness. 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 7.50% (as of 04.16.2025). This APR will vary with the market based on Wall Street Prime & creditworthiness.
| Compare Cards |  People's CU Savings Secured |  Local Bank One |  Local Credit Union |  National Bank One |
|---|---|---|---|---|
| Promotional APR for Purchases and Balance Transfers | 0.00% | 0.00% | 0.00% | 0.00% |
| Lowest APR for Purchases | 7.50% | 29.24% | 29.24% | 26.24% |
| Lowest APR for Balance Transfers | 7.50% | 29.24% | 29.24% | 26.24% |
| Annual Fee | None | $25.00 | None | $12.00 |
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