Detected in the CFPB-filed cardholder agreements from Park City 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 ~24.99%
Show the exact wording ↓Hide wording ↑
“…AGE for more important information about your account. ?? CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved 04806886-MXC10-C-1-121117 (MXC101-E) Penalty APR and When it Applies Visa Rewards 24.99% Visa Classic 24.99% This APR may be applied to your account if you: - Make a late payment; or - Go over your…”
Promotional window: 12 months · grace period retained on purchases
The transfer rate was not broken out by credit tier — the issuer reported a single range.
Lowest offered0%
Median0%
Highest offered0%
Cash advance APR
No score
13%
≤619
18%
620–719
13%
720+
11%
Lowest offered11%
Median—
Highest offered18%
Every fee on this card
Annual feeNone
Balance transfer fee4%
Cash advance feeCharged (amount not reported)
Foreign transaction fee1%
Purchase transaction feeNone
Late fee—
Over-limit feeNone
Minimum finance chargeNone
Balance computationAverage daily balance including new purchases
Additional fees
Card Replacement Fee$10
Emergency Card Replacement Fee$60
PIN Replacement Fee$5
Rush Fee$35
Document Copy Fee$1
Late fee policy: $25.00 or the amount of the required minimum payment, whichever is less, if you are five or more days late in making a
payment.
Rewards, benefits and features
Rewards
None reported
Services
None reported
Features
Chip card
Who can get this card
AvailabilityOne State/Territory
StatesWI
Membership requirementsYes
RequirementGeographic Restrictions Beyond Place of Residence
RequirementOther. Please Describe:
Geographic: Geographic qualifications are if they (or an immediate family member) live, work or own land in the following Wisconsin counties: Lincoln, Marathon, Oneida, Iron, Price, Vilas, Taylor, Forest, Rusk, Langlade, Wood or Portage.
Phone1-855-727-5228
Balance transfer calculator
Stay put — 12 mo at 24%$600
Transfer fee (4%)$200
Promo interest at 0.00%$0
You save$400
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 13.00% afterwards.
Cost to carry a balance
Interest for a year at 13.00%$390
Annual / periodic fees$0
Total yearly cost$390
Simple interest on a constant balance — a plain-language upper bound rather than an amortisation schedule. Paying in full each month within the 28-day grace period avoids the interest entirely.
Cardholder agreements
1 document filed by Park City Credit Union in the 2026 Q1 archive.