Detected in the CFPB-filed cardholder agreements from Boeing Employees' 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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“…d finance charges, and the remainder, if any, to the balance, unless otherwise agreed to by BECU or required by applicable law. 3. Finance Charges a. Penalty Rate. If, on this account or on any account that you have with us, you make any payment that is returned or your total Minimum Periodic Payment is not pai…”
Balance computationAverage daily balance including new purchases
Additional fees
Return Payment Fee$25
Rewards, benefits and features
Rewards
Cashback rewards
Services
Access to Free Credit Scores
Credit card registration
Extension on manufacturer’s warranty
Other
Features
Contactless Payments
Chip card
Fee-free foreign transactions
Mobile wallet provisioning (for example, Apple Pay)
Who can get this card
AvailabilityNational
Membership requirementsYes
RequirementGeographic Restrictions Beyond Place of Residence
RequirementProfessional Affiliation
RequirementOther. Please Describe:
Geographic: All counties in Washington State. Benton, Clackamas, Clatsop, Columbia, Coos, Curry, Deschutes, Douglas, Jackson, Josephine, Klamath, Lane, Lincoln, Linn, Marion, Multnomah, Polk, Tillamook, Washington, and Yamhill counties in Oregon. Benewah, Bonner, Bou
Affiliation: University of Washington Alumni Association (UWAA) member, donor, employee, volunteer or retiree. Washington State University Alumni Association (WSUAA) member, donor, employee, volunteer or retiree. BECU Foundation member, donor, employee, volunteer or r
Phone800-233-2328
Balance transfer
This card does not offer a balance transfer rate.
Cost to carry a balance
Interest for a year at 25.74%$772.20
Annual / periodic fees$0
Total yearly cost$772.20
Simple interest on a constant balance — a plain-language upper bound rather than an amortisation schedule. Paying in full each month within the 23-day grace period avoids the interest entirely.
Cardholder agreements
18 documents filed by Boeing Employees' Credit Union in the 2026 Q1 archive.