Detected in the CFPB-filed cardholder agreements from Del-One 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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“…ight Oak Tree Business Systems, Inc., 2021-2023. All Rights Reserved. Page 1 of 6 OTBS 016 DELO (5/23) Interest Rate and Interest Charges (continued) Penalty APR and When 18.00% it Applies This APR may be applied to Your VISA Feature Category if: 1) You make a late payment How Long Will The Penalty APR Apply?…”
“…lished Your account. This APR will vary with the market based on the Prime Rate. VISA Share Secured: ______% - ______% based on Your creditworthiness Penalty APR and When 18.00% it Applies This APR may be applied to Your Account if: 1) You make a late payment How Long Will The Penalty APR Apply? If Your APRs a…”
The intro rate was not broken out by credit tier — the issuer reported a single range.
Lowest offered0%
Median0%
Highest offered0%
Balance transfer APR
Promotional window: 6 months
The transfer rate was not broken out by credit tier — the issuer reported a single range.
Lowest offered0%
Median0%
Highest offered0%
Cash advance APR
The cash advance rate was not broken out by credit tier — the issuer reported a single range.
Lowest offered—
Median—
Highest offered—
Every fee on this card
Annual feeNone
Balance transfer feeNone
Cash advance fee3% (min $10)
Foreign transaction fee1%
Purchase transaction feeNone
Late fee$35
Over-limit feeNone
Minimum finance chargeNone
Balance computationAverage daily balance including new purchases
Additional fees
Returned Payment$25
Late fee policy: $35.00 or the amount of the required minimum payment.
Rewards, benefits and features
Rewards
Cashback rewards
Other rewards
Services
Access to Free Credit Scores
Automobile rental insurance
Debt cancellation coverage
Other
Features
Contactless Payments
Chip card
Mobile wallet provisioning (for example, Apple Pay)
Issuer note: uChoose Rewards
Who can get this card
AvailabilityNational
Membership requirementsYes
RequirementOther. Please Describe:
Phone(302) 739-4496
Balance transfer calculator
Stay put — 6 mo at 24%$300
Transfer fee (0%)$0
Promo interest at 0.00%$0
You save$300
Assumes you pay the balance down evenly across the 6-month promotional window, so the average outstanding balance is about half the transfer. Rates revert to 16.25% afterwards.
Cost to carry a balance
Interest for a year at 16.25%$487.50
Annual / periodic fees$0
Total yearly cost$487.50
Simple interest on a constant balance — a plain-language upper bound rather than an amortisation schedule. Paying in full each month within the stated-day grace period avoids the interest entirely.
Cardholder agreements
3 documents filed by Del-One Federal Credit Union in the 2026 Q1 archive.