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For criteria used in surveys of the rates below click here. These quotes are from credit card issuers, some of whom have paid for a link to their own Web site, where you can find additional information. Bank and thrift deposits are insured by the Federal Deposit Insurance Corp. Credit union deposits are insured by the National Credit Union Administration. Bankrate.com rates banks, thrifts and credit unions through proprietary Safe & Sound star rating system. Rates are subject to change without notice and may vary from branch to branch. Rates/APRs listed are those that are offered to consumers with "good" credit characteristics as defined by the institution offering the product. Rate/APR and terms may vary based on the creditworthiness of the individual.