Detected in the CFPB-filed cardholder agreements from Pennsylvania State Employees Cu. 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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“…4. NO EXPIRATION: Your Rewards will not expire. They may, however, be suspended, restricted, or forfeited in accordance with these Terms. 5. RIGHT TO CHANGE TERMS: PSECU may revise these Terms at any time, up to and including termination of the Program, without providing you with advance notice of such revision. This includes the determination of what…”
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.