Credit card disclosures from credit unions are among the most and least readable in the country, according to an analysis by creditcards.com.

The site, which has partners from the major card brands as well as some card issuing banks, hired researchers to analyze 1,200 credit card disclosure agreements that had been made public by the Federal Reserve. The Credit CARD Act of 2009 required card issuers with more than 10,000 cards to submit their credit card disclosure documents to the regulator which made them public.

Eight credit unions made the list of having the least readable credit card disclosure documents while all ten of the most readable were credit unions.

The University of Illinois Employees Credit Union was found to have credit card disclosure that the researchers judged someone with a grade school education could read while the GTE Federal Credit Union's disclosures were found to require more than six years of college education to understand.

Neither credit union has yet commented on the results of the analysis and their credit card disclosures.