Purchase APR
7.99–15.99%
Annual fee
None
Foreign fee
None
≤619620–719Travel-related
Carrying $3k for a year ≈ $299.70
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62
First American Credit Union MasterCard Rewards Card
Secured cardRegionalFixed rateCredit score 619 or less
Purchase APR
3.99–18.99%
Annual fee
$25
0% intro
3.99%
0% transfer
3.99%
Foreign fee
1%
Grace period
25 days
Purchase APR by credit tier
Median rate the issuer reported for each tier
No score
—
≤619
17.49%
620–719
9.99%
720+
7.49%
Lowest offered3.99%
Median9.99%
Highest offered18.99%
Introductory purchase APR
Promotional window: 12 months
No score
—
≤619
17.49%
620–719
9.99%
720+
3.99%
Lowest offered3.99%
Median—
Highest offered18.99%
Balance transfer APR
Promotional window: 12 months · grace period retained on purchases
No score
—
≤619
18.99%
620–719
9.99%
720+
7.49%
Lowest offered3.99%
Median—
Highest offered18.99%
Cash advance APR
No score
—
≤619
18.99%
620–719
10.99%
720+
10.99%
Lowest offered10.99%
Median—
Highest offered18.99%
Every fee on this card
Annual fee$25
Balance transfer fee$5
Cash advance feeNone
Foreign transaction fee1%
Purchase transaction feeNone
Late fee$25
Repeat late fee (6 mo)$25
Over-limit feeNone
Minimum finance chargeNone
Balance computationAverage daily balance including new purchases
Additional fees
Returned Payment Fee$20
Expedited Pay-by-Phone Fee$5
Rewards, benefits and features
Rewards
- Cashback rewards
Services
None reported
Features
- Contactless Payments
- Chip card
Who can get this card
AvailabilityRegional
StatesAZ, NM
Membership requirementsYes
RequirementGeographic Restrictions Beyond Place of Residence
RequirementOther. Please Describe:
Geographic: Persons living or working in Pinal County AZ. Persons living on and persons working on Tribal Lands in AZ or NM.
Phone8665971578
Balance transfer calculator
Stay put — 12 mo at 24%$600
Transfer fee (0%)$5
Promo interest at 3.99%$99.75
You save$495.25
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 9.99% afterwards.
Cost to carry a balance
Interest for a year at 9.99%$299.70
Annual / periodic fees$25
Total yearly cost$324.70
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 First American Credit Union in the 2026 Q1 archive.
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