Detected in the CFPB-filed cardholder agreements from Matanuska Valley 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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“…r investigation, we will tell you our decision. At that point, if we think you owe an amount and you do not pay, we may report you as delinquent. 18. AMENDMENTS. We reserve the right to change any terms or conditions of this Agreement at any time, to the extent permitted by applicable law. We will notify you of the changes to this Agreement as required by law. 19. GOVERNING LAW. This Agreement…”
Balance computationAverage daily balance including new purchases
Additional fees
Card Replacement Fee$10
Statement Copy Fee$2.50
Return Item FeeWe may impose a fee for any amount returned unpaid as a returned item fee.
Late fee policy: Maximum of $15.00. Late fee will not exceed the minimum payment due.
Rewards, benefits and features
Rewards
None reported
Services
Debt cancellation coverage
Features
Chip card
Mobile wallet provisioning (for example, Apple Pay)
Who can get this card
AvailabilityNational
Membership requirementsYes
RequirementOther. Please Describe:
Phone907-745-4891
Balance transfer
This card does not offer a balance transfer rate.
Cost to carry a balance
Interest for a year at 11.00%$330
Annual / periodic fees$0
Total yearly cost$330
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
2 documents filed by Matanuska Valley Federal Credit Union in the 2026 Q1 archive.