Detected in the CFPB-filed cardholder agreements from Communityamerica Federal Credit Union. Verbatim quotes below — CardSleuth flags the language; this isn't legal advice.
Jury-trial waiver
You waive your right to have a dispute heard by a jury.
Show the exact wording ↓Hide wording ↑
“…sible for the remainder of your balance. BY THE AGREEMENT TO ARBITRATE, CLASS ACTION Your Card(s) are the property of CommunityAmerica Federal Credit WAIVER, AND WAIVER OF JURY TRIAL PROVISIONS SET Union. We can apply any unpaid amount against your credit limit. CommunityAmerica Federal Credit Union may share your Account FO…”
Promotional window: 12 months · grace period retained on purchases
The transfer rate was not broken out by credit tier — the issuer reported a single range.
Lowest offered11.99%
Median17.99%
Highest offered18%
Cash advance APR
No score
18%
≤619
18%
620–719
17.99%
720+
11.99%
Lowest offered11.99%
Median—
Highest offered18%
Every fee on this card
Annual feeNone
Balance transfer fee3% (min $5)
Cash advance fee3% (min $5)
Foreign transaction fee1%
Purchase transaction feeNone
Late fee$25
Repeat late fee (6 mo)$35
Over-limit feeNone
Minimum finance chargeNone
Balance computationAverage daily balance including new purchases
Rewards, benefits and features
Rewards
None reported
Services
Access to Free Credit Scores
Automobile rental insurance
Extension on manufacturer’s warranty
Features
Contactless Payments
Chip card
Mobile wallet provisioning (for example, Apple Pay)
Who can get this card
AvailabilityNational
Membership requirementsYes
RequirementOther. Please Describe:
Phone8008927957
Balance transfer calculator
Stay put — 12 mo at 24%$600
Transfer fee (3%)$150
Promo interest at 11.99%$299.75
You save$150.25
Assumes you pay the balance down evenly across the 12-month promotional window, so the average outstanding balance is about half the transfer. Rates revert to 17.99% afterwards.
Cost to carry a balance
Interest for a year at 17.99%$539.70
Annual / periodic fees$0
Total yearly cost$539.70
Simple interest on a constant balance — a plain-language upper bound rather than an amortisation schedule. Paying in full each month within the 21-day grace period avoids the interest entirely.
Cardholder agreements
2 documents filed by Communityamerica Federal Credit Union in the 2026 Q1 archive.