Many people handle their money with major banks; however, credit unions can offer many advantages that banks do not.

A government-sponsored enterprise's (GSE) function is to enhance the flow of credit to targeted sectors of the economy.

Rule #1: as long as you pay the credit card with regular installments before the 24 months expire you will accumulate no interest.

I would recommend looking into balance transfers for as low as 0% interest typically for 18 to 24 months if you have a higher interest rate.