The credit union inclusive card is a kind of credit card. In layman’s terms, it is a kind of credit card of rural credit unions.

As a type of credit card, it has interest. When it is overdue or when cash is withdrawn by credit card, a certain amount of interest must be paid. Generally speaking, the interest rate of credit union inclusive cards is generally around 2.38. If it is overdue, the liquidated damages that need to be paid are about five thousandths of the total amount, and the penalty interest per day is about two thousandths.

The three-household joint guarantee loan of the credit union is a group working capital loan established by high-quality farmers who have been reviewed by the credit union, with no risk, guarantee, repayment responsibility and loss compensation. On the basis of farmers' voluntary participation in signing cooperation agreements, this group jointly applied for funds from rural credit cooperatives.