Detected in the CFPB-filed cardholder agreements from Gecu Federal Credit Union. Verbatim quotes below — CardSleuth flags the language; this isn't legal advice.
Change-anytime clause
The issuer reserves the right to change your rates, fees and terms at any time.
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“…ion to repay any payments made for your Account resulting from use of the Card as well as FINANCE CHARGES Rev. 1/1/26 7 and other related charges. We may change the terms of this Agreement, including the periodic rate, at any time subject to such notice as may be required by applicable law. CLOSING AN ACCOUNT AND CONTINUATION OF CERTAIN TERMS OF THIS AGREEMENT: We may close or…”
Slip up and your rate can jump to a much higher penalty APR.
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“…ment is late. See explanation below. 2% above your APR for Purchases, not to exceed 17.90%. The APR will vary on the market based on the Prime Rate.2 Penalty APR and When it None Applies Paying Interest Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest…”
The transfer rate was not broken out by credit tier — the issuer reported a single range.
Lowest offered0%
Median0%
Highest offered17.90%
Cash advance APR
No score
17.90%
≤619
17.90%
620–719
16.65%
720+
14.15%
Lowest offered13.90%
Median—
Highest offered17.90%
Every fee on this card
Annual feeNone
Balance transfer feeNone
Cash advance feeNone
Foreign transaction fee1%
Purchase transaction feeNone
Late fee$25
Over-limit feeNone
Minimum finance chargeNone
Balance computationAverage daily balance including new purchases
Additional fees
Returned Payment$25
Credit Disability$2
Credit Life$2
Late fee policy: If a payment is 10 days or more past due, a Late Payment Fee up to $25 will be charged. If the minimum payment is less than $25, the Late Payment Fee will be equal to the minimum payment.
Rewards, benefits and features
Rewards
None reported
Services
Access to Free Credit Scores
Debt cancellation coverage
Features
Chip card
Mobile wallet provisioning (for example, Apple Pay)
Who can get this card
AvailabilityNational
Membership requirementsYes
RequirementOther. Please Describe:
Phone1-800-772-4328
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 14.90% afterwards.
Cost to carry a balance
Interest for a year at 14.90%$447
Annual / periodic fees$0
Total yearly cost$447
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 Gecu Federal Credit Union in the 2026 Q1 archive.