Small bank that is sister bank's with Oak Brook Bank. Sold their portfolio to MBNA so this product might be serviced by MBNA. No Annual Fee. APR of 13.25% can't be profitable for a bank that's had a history of gouging Chicago based borrowers for years.

Moderate fees for over the limit and late payment charges. Cash advance APR is moderate at 13.25%. The cash advance fee is 2.5% or $2.50-30.

The advantage for "Union Members" is unclear. Are union members that pay union dues qualified for better deals? CreditCard.org is unclear. More information is available via email at "MasterCard at aboc.com"