Detected in the CFPB-filed cardholder agreements from Homeland Credit Union, INC.. 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.
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“…e rate for your account is variable, as indicated on the accompanying Disclosure, the rate charged on purchases, cash advances, balance transfers and penalty rate will vary periodically as disclosed in the Disclosure accompanying this Agreement. The initial rate on your account for certain types of transactions…”
The purchase rate was not broken out by credit tier — the issuer reported a single range.
Lowest offered3%
Median3%
Highest offered3%
Introductory purchase APR
Promotional window: 6 months
The intro rate was not broken out by credit tier — the issuer reported a single range.
Lowest offered3%
Median3%
Highest offered3%
Cash advance APR
The cash advance rate was not broken out by credit tier — the issuer reported a single range.
Lowest offered3%
Median3%
Highest offered3%
Every fee on this card
Annual feeNone
Balance transfer feeNone
Cash advance feeNone
Foreign transaction fee1%
Purchase transaction feeNone
Late fee$20
Over-limit feeNone
Minimum finance chargeNone
Balance computationAverage daily balance including new purchases
Additional fees
Statement Copy$5
Card Replacement$10
Pay by Phone$10
Rewards, benefits and features
Rewards
Travel-related rewards
Other rewards
Services
None reported
Features
Contactless Payments
Chip card
Mobile wallet provisioning (for example, Apple Pay)
Issuer note: Travel, merchandise, gift cards
Who can get this card
AvailabilityOne State/Territory
StatesOH
Membership requirementsYes
RequirementOther. Please Describe:
Balance transfer
This card does not offer a balance transfer rate.
Cost to carry a balance
Interest for a year at 3.00%$90
Annual / periodic fees$0
Total yearly cost$90
Simple interest on a constant balance — a plain-language upper bound rather than an amortisation schedule. Paying in full each month within the 30-day grace period avoids the interest entirely.
Cardholder agreements
3 documents filed by Homeland Credit Union, INC. in the 2026 Q1 archive.