Detected in the CFPB-filed cardholder agreements from Delta Community 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 ~20%
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“…ess. Visa Signature 16.75% to 20.75%, based on your creditworthiness. Visa Secured 18.75% This APR will vary with the market based on the Prime Rate. Penalty APR and When it Visa Platinum Rewards Applies 20.00% to 24.00%, based on your creditworthiness. Visa Signature 21.75% to 25.75%, based on your creditwort…”
“…d on the Prime Rate APR for Cash 12.75% to 16.75%, based on your creditworthiness Advances This APR will vary with the market based on the Prime Rate Penalty APR and 17.75% to 21.75%, based on your creditworthiness When it Applies This APR will vary with the market based on the Prime Rate This APR may be appli…”
Balance computationAverage daily balance including new purchases
Additional fees
Returned Payment Fee$25
Statement Copy Fee$3
Rush Fee$15
Rush Fee$30
Stop Payment Fee$15
Rewards, benefits and features
Rewards
Cashback rewards
Travel-related rewards
Other rewards
Services
Automobile rental insurance
Debt cancellation coverage
Other
Features
Contactless Payments
Chip card
Mobile wallet provisioning (for example, Apple Pay)
Other
Issuer note: Gift cards, merchandise, charities
Who can get this card
AvailabilityNational
Membership requirementsOpen to the public
Phone1-800-544-3328
Balance transfer
This card does not offer a balance transfer rate.
Cost to carry a balance
Interest for a year at 15.25%$457.50
Annual / periodic fees$0
Total yearly cost$457.50
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
4 documents filed by Delta Community Credit Union in the 2026 Q1 archive.