Jerry Jones Has a Visa Card with the Very Big

Jerry Jones has a Visa card with the Very Big Interstate Bank. He notices that the interest rate charged on this card is 19.5% per annum. Jerry has been employed by the same company for 15 years and has excellent credit. The company has a credit union that will issue Jerry a Visa card with an interest rate of 14.6%. The credit union offered Jerry this reduced rate because

A) the systematic risk is lower for credit union members than it is for the general population.
B) the unsystematic risk is lower for credit union members than it is for the general population.
C) the credit union manager likes Jerry.
D) all Visa credit cards charge the same rate.