Detected in the CFPB-filed cardholder agreements from Texans Credit Union. Verbatim quotes below — CardSleuth flags the language; this isn't legal advice.
Penalty APR
Slip up and your rate can jump to a much higher penalty APR.
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“…the market based on vary with the market based on will vary with the market the Prime Rate. the Prime Rate. the Prime Rate. based on the Prime Rate. Penalty APR and When it None Applies Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases or…”
Balance computationAverage daily balance including new purchases
Additional fees
Return Payment Fee$25
Late fee policy: If balance of less than $25, the late fee will equal the card balance.
Rewards, benefits and features
Rewards
Cashback rewards
Travel-related rewards
Other rewards
Services
Access to Free Credit Scores
Discounts on purchases of goods and services (non travel related)
Extension on manufacturer’s warranty
Other
Features
Contactless Payments
Chip card
Mobile wallet provisioning (for example, Apple Pay)
Issuer note: Gift cards and Apple products.
Who can get this card
AvailabilityOne State/Territory
StatesTX
Membership requirementsYes
RequirementOther. Please Describe:
Balance transfer
This card does not offer a balance transfer rate.
Cost to carry a balance
Interest for a year at 15.82%$474.60
Annual / periodic fees$0
Total yearly cost$474.60
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 Texans Credit Union in the 2026 Q1 archive.