NEW YORK (4/23/10)--Credit unions charge lower fees on credit cards than banks, according to Bankrate.com. Bankrate conducted a survey of 73 cards issued by 28 banks and 19 credit unions. The survey found that none of the credit union credit cards charged an inactivity fee, while three banks charged inactivity fees. Fifth Third Bank charges a $19 fee if no transactions were made in the previous year, while First National Bank of Omaha could charge a $29 to $75 fee after six months of inactivity (April 19). The study also found that 20 credit union cards charge a flat late fee, regardless of balance or degree of lateness--ranging from $5 to $30. Only one credit union charged a fee based on balance, compared to the 25 bank cards that had a tiered fee structure. San Diego County CU issues a $10 late fee, but not until the payment is 10 or more days past due. Bankrate noted that 25 of the 33 credit union cards it surveyed don’t charge balance transfer fees, and 20 credit union cards don’t charge a cash-advance fee. However, of the bank cards Bankrate surveyed, bank-advance fees ranged up to 5% of the cash advance amount.