Detected in the CFPB-filed cardholder agreements from Tinker Federal 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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“…sponds AMENDMENT to a monthly rate of 1.5%) I agree that the terms of this Agreement are applicable to any cardholder. I also agree that Credit Union may change the terms of MONTHLY PAYMENTS this Agreement at any time with written notice required by law Cardholder(s) agree to pay monthly on or before the payment due before the change becomes effective. Any changes…”
“…t the terms of this Agreement are applicable to any Balance as shown on the monthly statement. Payment cardholder. I also agree that Credit Union may change the Due Date on the statement is twenty- five (25) days from terms of this Agreement at any time with written notice the statement s Closing Date. The amounts paid as required by law before the change becomes effective. Any part of the Minimum Pa…”
“…the Agreement are applicable to any any of the previous unpaid balances, purchases, cash advances, cardholder. I also agree that the Credit Union may change the payments and credits, or (ii) at least the Minimum Payment terms of the Agreement at any time with written notice required required, which is the greater of $15.00 or 3% of the by law before the change becomes effective. Any changes to outstan…”
Slip up and your rate can jump to a much higher penalty APR.
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“…+ 13.50% fee + 17.50% Rate 3 (660-699) fee + 14.50% fee + 18.00% Rate 4 (625-659) fee + 16.50% fee + 18.00% Rate 5 (624- ) fee + 18.00% fee + 18.00% Penalty APR and when it applies 25 days 25 days 7 Prime Rate = PR M-121806 M-120639 IMPORTANT NOTICE TO TFCU In December 2025 Prime Rate Visa Classic Visa Signat…”
The intro rate was not broken out by credit tier — the issuer reported a single range.
Lowest offered3.99%
Median3.99%
Highest offered3.99%
Balance transfer APR
Promotional window: 6 months
The transfer rate was not broken out by credit tier — the issuer reported a single range.
Lowest offered12.50%
Median15.50%
Highest offered18%
Cash advance APR
No score
—
≤619
18%
620–719
15.75%
720+
13%
Lowest offered12.50%
Median—
Highest offered18%
Every fee on this card
Annual feeNone
Balance transfer fee2.5%
Cash advance fee2.5%
Foreign transaction fee1%
Purchase transaction feeNone
Late fee$22
Over-limit feeNone
Minimum finance chargeNone
Balance computationAverage daily balance including new purchases
Additional fees
Return Check Fee$20
Rewards, benefits and features
Rewards
Travel-related rewards
Other rewards
Services
Access to Free Credit Scores
Credit card registration
Features
Contactless Payments
Chip card
Mobile wallet provisioning (for example, Apple Pay)
Issuer note: Merchandise
Who can get this card
AvailabilityNational
Membership requirementsOpen to the public
Phone18004564828
Balance transfer calculator
Stay put — 6 mo at 24%$300
Transfer fee (2.5%)$125
Promo interest at 12.50%$156.25
You save$18.75
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 3.99% afterwards.
Cost to carry a balance
Interest for a year at 3.99%$119.70
Annual / periodic fees$0
Total yearly cost$119.70
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
6 documents filed by Tinker Federal Credit Union in the 2026 Q1 archive.