Detected in the CFPB-filed cardholder agreements from Tongass 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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“…financial statement and/or updated credit information upon request. We may investigate your credit directly or through a credit reporting agency. 18. Amendments We reserve the right to change any terms or conditions of this Agreement at any time, to the extent permitted by applicable law. We will notify you of the changes to this Agreement as required by law. 19. Rewards Benefits. We may offe…”
“…led between us. If we do not follow all of the rules above, you do 18. Amendments not have to pay the first $50 of the amount you question even if We reserve the right to change any terms or conditions of this your bill is correct. Agreement at any time, to the extent permitted by applicable law. Your Rights If You Are Dissatisfied with Your Credit Card Purchases. We will notify you of the changes to…”
Balance computationAverage daily balance including new purchases
Additional fees
Return payment fee$25
Card replacement fee$5
Rewards, benefits and features
Rewards
Travel-related rewards
Other rewards
Services
None reported
Features
Chip card
Fee-free foreign transactions
Who can get this card
AvailabilityNational
Membership requirementsYes
RequirementGeographic Restrictions Beyond Place of Residence
Geographic: Must live, work, worship within our field of membership
Phone800-960-8328
Balance transfer
This card does not offer a balance transfer rate.
Cost to carry a balance
Interest for a year at 11.45%$343.50
Annual / periodic fees$0
Total yearly cost$343.50
Simple interest on a constant balance — a plain-language upper bound rather than an amortisation schedule. Paying in full each month within the 7-day grace period avoids the interest entirely.
Cardholder agreements
2 documents filed by Tongass Federal Credit Union in the 2026 Q1 archive.