I've had the card for 15 years. The interest rate for this card has not changed from 9.9% for at least 15 years. The cash advance rate is the SAME as the purchase rate, 9.9%. It's a no-frills, no gimmicks, and plain Visa card.
I orignally went to PSECU when I started college back in 2012. After graduating I had a few different banks that I tried to use, however since I'm traveling alot PSECU was literally the best way to keep my finances together. They sync with MINT very nicely which helps so much for financial tracking. I now have a personal loan, a car loan, credit card, and they are my primary banking facility. Even tho they do not have a physical bank, You can still withdraw cash from almost ALL ATM's They give you back the money for any ATM fees at the end of the month. something like $20 a month. And they allow ATM deposits which is very nice. Between the online application as well as the smartphone application. They have been a great bank for me for years and I will continue to use them. Interest rates are great. Credit card rate is 9.9% ANYWHERE else is at least 20% for someone my age with no real credit score.
I would HIGHLY recommend them to all my friends and anyone looking for a great banking service.