Detected in the CFPB-filed cardholder agreements from America First Federal Credit Union. Verbatim quotes below — CardSleuth flags the language; this isn't legal advice.
Change-anytime clause
The issuer reserves the right to change your rates, fees and terms at any time.
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“…Please call us at 1-800-845-0525 to receive oral disclosures of the Military Lending Act disclosure and a description of the payment obligation. 18. AMENDMENTS We reserve the right to amend the terms of this Agreement at any time as permitted by and subject to any limitations and notice requirements of applicable law. 19. NOTICE AND AGREEMENT You understand and agree to the te…”
Foreign transaction feeCharged (amount not reported)
Purchase transaction feeNone
Late fee—
Over-limit feeNone
Minimum finance chargeNone
Balance computationAverage daily balance including new purchases
Late fee policy: The fee is 5% of the monthly payment up to $32.00 with a minimum of $25.00.
Rewards, benefits and features
Rewards
Travel-related rewards
Services
Access to Free Credit Scores
Automobile rental insurance
Other
Features
Contactless Payments
Chip card
Mobile wallet provisioning (for example, Apple Pay)
Who can get this card
AvailabilityNational
Membership requirementsYes
RequirementOther. Please Describe:
Phone1-800-999-3961
Balance transfer
This card does not offer a balance transfer rate.
Cost to carry a balance
Interest for a year at 18.00%$540
Annual / periodic fees$0
Total yearly cost$540
Simple interest on a constant balance — a plain-language upper bound rather than an amortisation schedule. Paying in full each month within the 28-day grace period avoids the interest entirely.
Cardholder agreements
1 document filed by America First Federal Credit Union in the 2026 Q1 archive.