Do you have the same 18% cap on your credit card rates that federal credit unions have?

We are a state-chartered credit union. So, we do not have the same restriction that federally chartered credit unions have. But, we have always been committed to offering our members the best deal possible on all of our products. Our credit card rates are currently tied to the prime interest rate. If the prime interest rate rises significantly from where it is today and pushes our credit card rates toward the 18% limit federally chartered credit unions, then we will do our best to keep our pricing in line. We will ensure we do so in a responsible, sustainable way and only hesitate to cap rates at that point if it exposed the credit union as a whole to significant economic risk.