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Neighbors Federal Credit Union out of Baton Rouge, Louisiana has a great fixed-rate credit card available to those with decent credit living in Louisiana. It comes in the form of a Visa Classic Card and provides an enticingly low APR of 8.90%. The national average for low interest credit cards currently hovers around the 11% mark (to put this offer in perspective).
Unfortunately for most of us, this offer will be out of our reach because you must be a member of Neighbors Federal Credit Union (as well as have sufficient credit) to be approved for the card. If you do not reside in the state of Louisiana or have family members there you will most likely not be able to gain access to this credit union.
How to Join NFCU:
Neighbors Federal Credit Union proudly serves anyone who lives, works, worships, or attends school in these nine Louisiana parishes: East Baton Rouge, West Baton Rouge, Ascension, Livingston, Iberville, Pointe Coupee, East Feliciana, West Feliciana, and Saint Helena.

Details of Low Fixed Rate Credit Card offered by NFCU:

• Low, FIXED rate, as low as 8.9% APR;
• View balances and make payments with Online Banking or by phone with Audio Response;
• Online account statements and information;
• Lost/Stolen Card Reporting day or night

Neighbors Federal Credit Union is a member of the NCUA (credit union equivilent to FDIC).