Purchase APR
9.50–19.50%
Annual fee
None
Foreign fee
1.25%
≤619620–719
Carrying $3k for a year ≈ $285
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71
Purchase APR
7.50–11.50%
Annual fee
None
0% intro
None
0% transfer
3.99%
Foreign fee
1%
Grace period
25 days
Purchase APR by credit tier
Median rate the issuer reported for each tier
No score
—
≤619
—
620–719
—
720+
7.50%
Lowest offered7.50%
Median9.50%
Highest offered11.50%
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 offered3.99%
Median3.99%
Highest offered3.99%
Cash advance APR
The cash advance rate was not broken out by credit tier — the issuer reported a single range.
Lowest offered7.50%
Median9.50%
Highest offered12.50%
Every fee on this card
Annual feeNone
Balance transfer feeNone
Cash advance feeNone
Foreign transaction fee1%
Purchase transaction feeNone
Late fee$25
Over-limit feeNone
Minimum finance chargeNone
Balance computationAverage daily balance including new purchases
Rewards, benefits and features
Rewards
- Cashback rewards
- Travel-related rewards
- Other rewards
Services
None reported
Features
- Chip card
- Mobile wallet provisioning (for example, Apple Pay)
Issuer note: Fuel, gift cards, special deals
Who can get this card
AvailabilityOne State/Territory
StatesMI
Membership requirementsYes
RequirementGeographic Restrictions Beyond Place of Residence
Geographic: Live, work, or worship in Kent, Ionia, or Montcalm county in Michigan
Balance transfer calculator
Stay put — 6 mo at 24%$300
Transfer fee (0%)$0
Promo interest at 3.99%$49.88
You save$250.13
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 9.50% afterwards.
Cost to carry a balance
Interest for a year at 9.50%$285
Annual / periodic fees$0
Total yearly cost$285
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
2 documents filed by River Valley Credit Union in the 2026 Q1 archive.
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