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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67
Siouxland Federal Credit Union Rewards Visa Credit Card
Siouxland Federal Credit Union
NationalFixed rateCredit score 620–719
Purchase APR
9.49%
Annual fee
None
0% intro
None
0% transfer
None
Foreign fee
1%
Grace period
25 days
Contract X-Ray — what's buried in the fine print
0 red flags · 1 filed docDetected in the CFPB-filed cardholder agreements from Siouxland Federal Credit Union. Verbatim quotes below — CardSleuth flags the language; this isn't legal advice.
No arbitration, penalty-APR, deferred-interest or change-anytime red flags detected in this issuer's filed agreements.
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 offered9.49%
Median9.49%
Highest offered9.49%
Cash advance APR
The cash advance rate was not broken out by credit tier — the issuer reported a single range.
Lowest offered9.49%
Median9.49%
Highest offered9.49%
Every fee on this card
Annual feeNone
Balance transfer feeNone
Cash advance fee3%
Foreign transaction fee1%
Purchase transaction feeNone
Late fee$5
Over-limit feeNone
Minimum finance chargeNone
Balance computationAverage daily balance including new purchases
Rewards, benefits and features
Rewards
- Cashback rewards
- Travel-related rewards
Services
None reported
Features
- Chip card
Who can get this card
AvailabilityNational
Membership requirementsYes
RequirementGeographic Restrictions Beyond Place of Residence
Geographic: People that live or work or related to someone that lives or works within our defined community.
Balance transfer
This card does not offer a balance transfer rate.
Cost to carry a balance
Interest for a year at 9.49%$284.70
Annual / periodic fees$0
Total yearly cost$284.70
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
1 document filed by Siouxland Federal Credit Union in the 2026 Q1 archive.
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