Detected in the CFPB-filed cardholder agreements from Security Service Federal Credit Union. Verbatim quotes below — CardSleuth flags the language; this isn't legal advice.
Forced arbitration with no opt-out found — you likely can't take this issuer to court, and there's no way to reject it.
Forced arbitration
You give up your right to sue in court — disputes are pushed into private arbitration.
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“…other term or condition in such product or service, such product or service insofar as it applies to the covered borrower, (1) shall not contain any arbitration provision, (2) shall only be subject to setoff or cross-collateralization as is allowed by law, and (3) all legal notices shall be provided in accordance with…”
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 offered9.90%
Cash advance APR
No score
10.99%
≤619
10.99%
620–719
12.99%
720+
10.99%
Lowest offered10.99%
Median—
Highest offered18%
Every fee on this card
Annual feeNone
Balance transfer fee2%
Cash advance fee2%
Foreign transaction fee1.1%
Purchase transaction feeNone
Late fee$25
Over-limit feeNone
Minimum finance chargeNone
Balance computationAverage daily balance including new purchases
Additional fees
Return Payment$20
Rewards, benefits and features
Rewards
None reported
Services
Debt cancellation coverage
Features
Contactless Payments
Chip card
Mobile wallet provisioning (for example, Apple Pay)
Who can get this card
AvailabilityNational
Membership requirementsYes
RequirementOther. Please Describe:
Phone1-800-527-7328
Balance transfer calculator
Stay put — 12 mo at 24%$600
Transfer fee (2%)$100
Promo interest at 0.00%$0
You save$500
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 10.99% afterwards.
Cost to carry a balance
Interest for a year at 10.99%$329.70
Annual / periodic fees$0
Total yearly cost$329.70
Simple interest on a constant balance — a plain-language upper bound rather than an amortisation schedule. Paying in full each month within the 30-day grace period avoids the interest entirely.
Cardholder agreements
6 documents filed by Security Service Federal Credit Union in the 2026 Q1 archive.