Our San Francisco branch is now open! With this reopening, all 10 branches are open to serve you. We continue to observe state safety protocols in our branches. Please remember you can also bank with us online or through our Tech CU Virtual Branch.
Click here for branch locations and hours.
Credit cards can be exciting, tempting and intimidating. Here are some ideas to keep in mind.
The credit card companies make money by charging interest on long-term balances. Often the rates they charge are relatively high.
Choose a card that fits how you are going to use it. Probably for a first time user, find a card that has low (or no) annual fees and low interest rates. If you are not going to use it much, the benefits (airline miles or gifts) will not compensate for the fees usually found with these types of cards.
Having a good credit record is important. Those with good records usually find that getting credit is easier and they often qualify for lower rates on their borrowing.
Investigate the details of the card thoroughly. Be sure to understand all the fees and how interest charges are calculated.