Detected in the CFPB-filed cardholder agreements from Idaho Central Credit Union. Verbatim quotes below — CardSleuth flags the language; this isn't legal advice.
Class-action waiver
You can't band together with other cardholders in a class action.
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“…incur, plus the costs and expenses of any legal action, as further disclosed on this Agreement, or to the extent allowed by law. 23. ARBITRATION AND WAIVER OF CLASS ACTION This account is subject to our Arbitration and Waiver of Class Action Provision found in your Account Agreement. Please refer to the Account A…”
Slip up and your rate can jump to a much higher penalty APR.
Jumps to ~24%
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“…This APR will vary with the market based on the Prime Rate. APR for Cash Advances 12.74% This APR will vary with the market based on the Prime Rate. Penalty APR and When it Applies 24.00% This APR may be applied to Your Account if You: - Make a late payment. How Long Will the Penalty APR Apply? If Your APRs a…”
“…% This APR will vary with the market based on the Prime Rate. APR for Cash Advances 7.99% This APR will vary with the market based on the Prime Rate. Penalty APR and When it Applies 24.00% This APR may be applied to Your Account if You: - Make a late payment. How Long Will the Penalty APR Apply? If Your APRs a…”
“…APR will vary with the market based on the Prime Rate. APR for Cash Advances 7.74%-24.00% This APR will vary with the market based on the Prime Rate. Penalty APR and When it Applies 24.00% This APR may be applied to Your Account if You: - Make a late payment. How Long Will the Penalty APR Apply? If Your APRs a…”
Balance computationAverage daily balance including new purchases
Additional fees
Returned Payment Fees$20
Card Replacement$10
Rush Fee$35
Statement Copy Fee$2
Account Research Fee$30
Late fee policy: The lesser of $25 or the amount past due.
Rewards, benefits and features
Rewards
None reported
Services
Automobile rental insurance
Extension on manufacturer’s warranty
Other
Features
Contactless Payments
Chip card
Mobile wallet provisioning (for example, Apple Pay)
Who can get this card
AvailabilityNational
Membership requirementsOpen to the public
Phone18004565067
Balance transfer
This card does not offer a balance transfer rate.
Cost to carry a balance
Interest for a year at 14.27%$428.10
Annual / periodic fees$0
Total yearly cost$428.10
Simple interest on a constant balance — a plain-language upper bound rather than an amortisation schedule. Paying in full each month within the 21-day grace period avoids the interest entirely.
Cardholder agreements
11 documents filed by Idaho Central Credit Union in the 2026 Q1 archive.