Detected in the CFPB-filed cardholder agreements from Omaha Police Federal Credit Union. 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.
Jumps to ~18%
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“…. Interest Rates and Interest Charges Annual Percentage Rate (APR) for 18.00% Purchases APR for Balance Transfers 18.00% APR for Cash Advances 18.00% Penalty APR and When it Applies 18.00% 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…”
“…ure. Interest Rates and Interest Charges Annual Percentage Rate (APR) for 8.99% Purchases APR for Balance Transfers 8.99% APR for Cash Advances 8.99% Penalty APR and When it Applies 18.00% 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…”
“…ure. Interest Rates and Interest Charges Annual Percentage Rate (APR) for 9.99% Purchases APR for Balance Transfers 9.99% APR for Cash Advances 9.99% Penalty APR and When it Applies 18.00% 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…”
The purchase rate was not broken out by credit tier — the issuer reported a single range.
Lowest offered8.99%
Median12.99%
Highest offered18%
Cash advance APR
The cash advance rate was not broken out by credit tier — the issuer reported a single range.
Lowest offered8.99%
Median12.99%
Highest offered18%
Every fee on this card
Annual feeNone
Balance transfer feeNone
Cash advance fee$10
Foreign transaction fee1%
Purchase transaction feeNone
Late fee$20
Over-limit feeNone
Minimum finance chargeNone
Balance computationAverage daily balance including new purchases
Additional fees
Returned Payment Fee$25
Card replacement fee$5
Document Copy Fee$2.50
Statement Copy Fee$2.50
Rush Fee$22
Rewards, benefits and features
Rewards
Cashback rewards
Travel-related rewards
Other rewards
Services
Automobile rental insurance
Features
Chip card
Who can get this card
AvailabilityNational
Membership requirementsOpen to the public
Phone4023914040
Balance transfer
This card does not offer a balance transfer rate.
Cost to carry a balance
Interest for a year at 12.99%$389.70
Annual / periodic fees$0
Total yearly cost$389.70
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
3 documents filed by Omaha Police Federal Credit Union in the 2026 Q1 archive.