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Credit unions around the country that issue fixed-rate credit cards have to decide whether to stick with those cards or follow much of the rest of the card issuing industry and switch to variable-rate cards.

No one can say for sure exactly how many of the nation’s roughly 4,000 card-issuing credit unions issue primarily or only fixed-rate credit cards. But, according to executives with credit card processors, a majority of card-issuing credit unions have at least one fixed-rate card, citing the popularity of fixed-rate cards with consumers.

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