Credit unions around the country that issue fixed-rate creditcards have to decide whether to stick with those cards or followmuch of the rest of the card issuing industry and switch tovariable-rate cards.

No one can say for sure exactly how many of the nation's roughly4,000 card-issuing credit unions issue primarily or only fixed-ratecredit cards. But, according to executives with credit cardprocessors, a majority of card-issuing credit unions have at leastone fixed-rate card, citing the popularity of fixed-rate cards withconsumers.

Fixed-rate cards have also been popular with credit unions,particularly during times of low, stable interest rates when thecards provide a fixed spread of profitability, the executives said.But that profitability has been put at risk because of changesmandated in the most recent credit card law and that cast doubt onthe future of some fixed-rate cards, they added.

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