Originally Posted by acf573

Is your issue with paying any fee or anything above 1%? Because you've been paying 1% for a long time now, and I anticipate in the future, there will be very few banks or credit unions offering a 0% rate (simply because they still have to pay currency conversion charges to Visa/MC so presumably will at least pass the costs on). For now, Capital One MC is at 0%. Target Visa is at 1%. Some MBNA cards (e.g., AAA) are still 0%/1%.

The issue with credit unions is that they must have eligibility restrictions. So you won't really find a credit union that will take anyone. I think the closest you'll find is the Pentagon FCU which has very lax restrictions. #10 on the possible eligibility requirements is to join the National Military Family Association ($20/yr). I don't know what their forex policy is though.