Purchase APR
10.25–15.25%
Annual fee
None
Foreign fee
1%
≤619620–719
Carrying $3k for a year ≈ $375
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NationalVariable · PrimeCredit score 620–719Credit score 720+
Purchase APR
10.50–18%
Annual fee
None
0% intro
None
0% transfer
None
Foreign fee
1%
Grace period
None
Purchase APR by credit tier
Median rate the issuer reported for each tier
No score
—
≤619
—
620–719
14.50%
720+
10.50%
Lowest offered10.50%
Median12.50%
Highest offered18%
Cash advance APR
The cash advance rate was not broken out by credit tier — the issuer reported a single range.
Lowest offered10.50%
Median12.50%
Highest offered18%
Every fee on this card
Annual feeNone
Balance transfer feeNone
Cash advance feeNone
Foreign transaction fee1%
Purchase transaction feeNone
Late fee—
Over-limit feeNone
Minimum finance chargeNone
Balance computationAverage daily balance including new purchases
Late fee policy: $25 or the minimum required payment amount, whichever is less.
Rewards, benefits and features
Rewards
None reported
Services
- Other
Features
- Contactless Payments
- Chip card
- Mobile wallet provisioning (for example, Apple Pay)
Who can get this card
AvailabilityNational
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 12.50%$375
Annual / periodic fees$0
Total yearly cost$375
Simple interest on a constant balance — a plain-language upper bound rather than an amortisation schedule. Paying in full each month within the stated-day grace period avoids the interest entirely.
Cardholder agreements
3 documents filed by Langley Federal Credit Union in the 2026 Q1 archive.
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Foreign fee
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