Detected in the CFPB-filed cardholder agreements from Alcoa Community Federal Credit Union. Verbatim quotes below — CardSleuth flags the language; this isn't legal advice.
Penalty APR
Slip up and your rate can jump to a much higher penalty APR.
Jumps to ~18%
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“…and conditions of My Electronic each balance. If those payments are not made on the due date, the Fund Transfer Agreement may also affect my rights. Penalty APR will remain on all balances indefinitely. Foreign Currency Transaction Fee. If I make any purchases with Other Charges and Collection Fees. Transacti…”
Balance computationAverage daily balance including new purchases
Rewards, benefits and features
Rewards
Travel-related rewards
Other rewards
Services
None reported
Features
Chip card
Fee-free foreign transactions
Mobile wallet provisioning (for example, Apple Pay)
Issuer note: Merchandise rewards
Who can get this card
AvailabilityOne State/Territory
StatesAR
Membership requirementsOpen to the public
Balance transfer
This card does not offer a balance transfer rate.
Cost to carry a balance
Interest for a year at 9.99%$299.70
Annual / periodic fees$0
Total yearly cost$299.70
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 Alcoa Community Federal Credit Union in the 2026 Q1 archive.