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62

Traditional Classic

360 Federal Credit Union

NationalFixed rateCredit score 620–719
Issuer site ↗
Purchase APR
3.99%
Annual fee
None
0% intro
3.99%
0% transfer
3.99%
Foreign fee
1%
Grace period
25 days

Purchase APR by credit tier

Median rate the issuer reported for each tier

The purchase rate was not broken out by credit tier — the issuer reported a single range.

Lowest offered3.99%
Median3.99%
Highest offered3.99%

Introductory purchase APR

Promotional window: 3 months

The intro rate was not broken out by credit tier — the issuer reported a single range.

Lowest offered3.99%
Median3.99%
Highest offered3.99%

Balance transfer APR

Promotional window: 3 months

The transfer rate was not broken out by credit tier — the issuer reported a single range.

Lowest offered3.99%
Median3.99%
Highest offered3.99%

Cash advance APR

The cash advance rate was not broken out by credit tier — the issuer reported a single range.

Lowest offered3.99%
Median3.99%
Highest offered3.99%

Every fee on this card

Annual feeNone
Balance transfer feeNone
Cash advance fee$5 min
Foreign transaction fee1%
Purchase transaction feeNone
Late fee—
Over-limit fee$20
Minimum finance chargeNone
Balance computationAverage daily balance including new purchases

Late fee policy: 25.00 or 5% of payment due which ever greater

Rewards, benefits and features

Rewards

None reported

Services
  • Automobile rental insurance
Features
  • Chip card
  • Mobile wallet provisioning (for example, Apple Pay)

Who can get this card

AvailabilityNational
Membership requirementsYes
RequirementOther. Please Describe:
Phone1-800-544-4728
Balance transfer calculator
Stay put — 3 mo at 24%$150
Transfer fee (0%)$0
Promo interest at 3.99%$24.94
You save$125.06

Assumes you pay the balance down evenly across the 3-month promotional window, so the average outstanding balance is about half the transfer. Rates revert to 3.99% afterwards.

Cost to carry a balance
Interest for a year at 3.99%$119.70
Annual / periodic fees$0
Total yearly cost$119.70

Simple interest on a constant balance — a plain-language upper bound rather than an amortisation schedule. Paying in full each month within the 25-day grace period avoids the interest entirely.

Cardholder agreements

1 document filed by 360 Federal Credit Union in the 2026 Q1 archive.

More from this issuer