Detected in the CFPB-filed cardholder agreements from Apl 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.
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“…ry monthly and is based on the highest Prime rate as published in the Wall Street Journal on the last day of each month, effective the following day. Penalty APR and When It Is Applicable None Minimum Interest Charge None How to Avoid Paying Interest on Purchases Your due date is at least 25 days after the clo…”
The purchase rate was not broken out by credit tier — the issuer reported a single range.
Lowest offered6.49%
Median10.49%
Highest offered18%
Cash advance APR
The cash advance rate was not broken out by credit tier — the issuer reported a single range.
Lowest offered6.49%
Median10.49%
Highest offered18%
Every fee on this card
Annual feeNone
Balance transfer feeNone
Cash advance feeNone
Foreign transaction fee1%
Purchase transaction feeNone
Late fee—
Over-limit feeNone
Minimum finance chargeNone
Balance computationAverage daily balance including new purchases
Late fee policy: 5% of the amount due or $5, whichever is greater.
Rewards, benefits and features
Rewards
None reported
Services
Access to Free Credit Scores
Credit card registration
Features
Contactless Payments
Chip card
Mobile wallet provisioning (for example, Apple Pay)
Who can get this card
AvailabilityOne State/Territory
StatesMD
Membership requirementsYes
RequirementGeographic Restrictions Beyond Place of Residence
RequirementOther. Please Describe:
Geographic: We have a community charter for Howard County, Maryland. Membership eligibility is limited to those who live, work, attend school or regularly conduct business in the county. Immediate family members or a member are also eligible. The vast majority of our
Phone8003675796
Balance transfer
This card does not offer a balance transfer rate.
Cost to carry a balance
Interest for a year at 10.49%$314.70
Annual / periodic fees$0
Total yearly cost$314.70
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
2 documents filed by Apl Federal Credit Union in the 2026 Q1 archive.