Detected in the CFPB-filed cardholder agreements from Red Canoe Credit Union. 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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“…am Agreement provided to you with this Agreement shall also apply to your Account. The Credit Union reserves the right to terminate the Program or to change the terms and conditions of the Program at any time without prior notice. This means the Credit Union may change, among other things, the rules regarding redemption of points or the restrictions on the…”
“…financial statement and/or updated credit information upon request. We may investigate your credit directly or through a credit reporting agency. 18. AMENDMENTS. We reserve the right to change any terms or conditions of this Agreement at any time, to the extent permitted by applicable law. We will notify you of the changes to this Agreement as required by law. 19. BILLING ERRORS NOTICE, YOUR C…”
Slip up and your rate can jump to a much higher penalty APR.
Jumps to ~20.9%
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“…s made during January or February of 2023. After that, and for all other balance transfers, APR will be 9.90%- 20.90% based on your creditworthiness. Penalty APR and When it Applies 20.90% This APR may be applied to your account if you make a late payment. How Long Will the Penalty APR Apply? If your APRs are…”
“…Any introductory or promotional Annual Percentage Rate will be subject to the terms of the offer and this Agreement, including but not limited to the Penalty APR described below. We will provide you with information on the offer, including the time period the introductory or promotional Annual Percentage Rate…”
The purchase rate was not broken out by credit tier — the issuer reported a single range.
Lowest offered4.90%
Median15.90%
Highest offered22.90%
Introductory purchase APR
Promotional window: 6 months
The intro rate was not broken out by credit tier — the issuer reported a single range.
Lowest offered4.90%
Median15.90%
Highest offered22.90%
Balance transfer APR
Promotional window: 6 months · grace period retained on purchases
The transfer rate was not broken out by credit tier — the issuer reported a single range.
Lowest offered4.90%
Median15.90%
Highest offered22.90%
Cash advance APR
No score
17.90%
≤619
15.90%
620–719
13.90%
720+
11.90%
Lowest offered11.90%
Median—
Highest offered22.90%
Every fee on this card
Annual feeNone
Balance transfer feeNone
Cash advance feeNone
Foreign transaction feeNone
Purchase transaction feeNone
Late fee$25
Over-limit feeNone
Minimum finance chargeNone
Balance computationAverage daily balance including new purchases
Rewards, benefits and features
Rewards
None reported
Services
Debt cancellation coverage
Features
Contactless Payments
Chip card
Fee-free foreign transactions
Mobile wallet provisioning (for example, Apple Pay)
Who can get this card
AvailabilityRegional
StatesOR, WA
Membership requirementsYes
RequirementOther. Please Describe:
Phone8005625611
Balance transfer calculator
Stay put — 6 mo at 24%$300
Transfer fee (0%)$0
Promo interest at 4.90%$61.25
You save$238.75
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 15.90% afterwards.
Cost to carry a balance
Interest for a year at 15.90%$477
Annual / periodic fees$0
Total yearly cost$477
Simple interest on a constant balance — a plain-language upper bound rather than an amortisation schedule. Paying in full each month within the stated-day grace period avoids the interest entirely.
Cardholder agreements
5 documents filed by Red Canoe Credit Union in the 2026 Q1 archive.