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Ontario Shores Federal Credit Union Classic Credit Card

Ontario Shores Federal Credit Union

One State/TerritoryFixed rateNo credit scoreCredit score 619 or lessCredit score 620–719Credit score 720+
Issuer site ↗
Purchase APR
—
Annual fee
None
0% intro
None
0% transfer
3.50%
Foreign fee
None
Grace period
None

Contract X-Ray — what's buried in the fine print

0 red flags · 3 filed docs

Detected in the CFPB-filed cardholder agreements from Ontario Shores Federal Credit Union. Verbatim quotes below — CardSleuth flags the language; this isn't legal advice.

No arbitration, penalty-APR, deferred-interest or change-anytime red flags detected in this issuer's filed agreements.

Purchase APR by credit tier

Median rate the issuer reported for each tier

The purchase rate was not broken out by credit tier — the issuer reported a single range.

Lowest offered—
Median—
Highest offered—

Balance transfer APR

Promotional window: 12 months

The transfer rate was not broken out by credit tier — the issuer reported a single range.

Lowest offered3.50%
Median3.50%
Highest offered3.50%

Cash advance APR

The cash advance rate was not broken out by credit tier — the issuer reported a single range.

Lowest offered11.90%
Median11.90%
Highest offered11.90%

Every fee on this card

Annual feeNone
Balance transfer feeNone
Cash advance feeNone
Foreign transaction feeNone
Purchase transaction feeNone
Late fee$10
Repeat late fee (6 mo)$10
Over-limit feeNone
Minimum finance chargeNone
Balance computationAverage daily balance including new purchases
Additional fees
Returned Payment Fee$20
Document copy fee$2
Emergency Card Replacement Fee$20
Rush fee$25

Rewards, benefits and features

Rewards
  • Cashback rewards
  • Other rewards
Services

None reported

Features
  • Contactless Payments
  • Chip card
  • Fee-free foreign transactions

Issuer note: third party reward program

Who can get this card

AvailabilityOne State/Territory
StatesNY
Membership requirementsYes
RequirementOther. Please Describe:
Balance transfer calculator
Stay put — 12 mo at 24%$600
Transfer fee (0%)$0
Promo interest at 3.50%$87.50
You save$512.50

Assumes you pay the balance down evenly across the 12-month promotional window, so the average outstanding balance is about half the transfer. Rates revert to the standard% afterwards.

Cost to carry

This issuer did not report a purchase APR.

Cardholder agreements

3 documents filed by Ontario Shores Federal Credit Union in the 2026 Q1 archive.

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