Purchase APR
9.95–12.95%
Annual fee
None
Foreign fee
None
620–719720+Travel-related
Carrying $3k for a year ≈ $343.50
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70
Consumer Credit Card
NationalFixed rateCredit score 620–719Credit score 720+
Purchase APR
9.95–12.95%
Annual fee
None
0% intro
None
0% transfer
None
Foreign fee
None
Grace period
7 days
Purchase APR by credit tier
Median rate the issuer reported for each tier
No score
—
≤619
—
620–719
12.95%
720+
9.95%
Lowest offered9.95%
Median11.45%
Highest offered12.95%
Cash advance APR
No score
—
≤619
—
620–719
12.95%
720+
9.95%
Lowest offered9.95%
Median—
Highest offered12.95%
Every fee on this card
Annual feeNone
Balance transfer feeNone
Cash advance feeNone
Foreign transaction feeNone
Purchase transaction feeNone
Late fee$15
Over-limit feeNone
Minimum finance chargeNone
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 requirementsOpen to the public
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.
More from this issuer
Purchase APR
10–18%
Annual fee
None
Foreign fee
1%
≤619620–719
Carrying $3k for a year ≈ $345
Purchase APR
11.50%
Annual fee
None
Foreign fee
None
≤619620–719Other
Carrying $3k for a year ≈ $345
Purchase APR
10–14.50%
Annual fee
None
Foreign fee
None
620–719720+Travel-related
Carrying $3k for a year ≈ $345