Purchase APR
12.90%
Annual fee
None
Foreign fee
None
≤619620–719Other
Carrying $3k for a year ≈ $387
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65
Purchase APR
12.90%
Annual fee
None
0% intro
6 mo
0% transfer
2.90%
Foreign fee
None
Grace period
25 days
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 offered12.90%
Median12.90%
Highest offered12.90%
Introductory purchase APR
Promotional window: 6 months
The intro rate was not broken out by credit tier — the issuer reported a single range.
Lowest offered0%
Median0%
Highest offered0%
Balance transfer APR
Promotional window: 6 months
The transfer rate was not broken out by credit tier — the issuer reported a single range.
Lowest offered2.90%
Median2.90%
Highest offered2.90%
Cash advance APR
The cash advance rate was not broken out by credit tier — the issuer reported a single range.
Lowest offered14.90%
Median14.90%
Highest offered14.90%
Every fee on this card
Annual feeNone
Balance transfer feeNone
Cash advance feeNone
Foreign transaction feeNone
Purchase transaction feeNone
Late fee—
Over-limit feeNone
Minimum finance chargeNone
Balance computationAverage daily balance including new purchases
Late fee policy: $20 or the amount of the required minimum payment, whichever is less
Rewards, benefits and features
Rewards
None reported
Services
- Access to Free Credit Scores
Features
- Contactless Payments
- Chip card
- Fee-free foreign transactions
- Mobile wallet provisioning (for example, Apple Pay)
Who can get this card
AvailabilityNational
Membership requirementsOpen to the public
Phone1-800-237-7328
Balance transfer calculator
Stay put — 6 mo at 24%$300
Transfer fee (0%)$0
Promo interest at 2.90%$36.25
You save$263.75
Assumes you pay the balance down evenly across the 6-month promotional window, so the average outstanding balance is about half the transfer. Rates revert to 12.90% afterwards.
Cost to carry a balance
Interest for a year at 12.90%$387
Annual / periodic fees$0
Total yearly cost$387
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
4 documents filed by Pennsylvania State Employees Cu in the 2026 Q1 archive.
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