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TRU FCU Credit Card

Tru Federal Credit Union

One State/TerritoryFixed rateNo credit scoreCredit score 619 or lessCredit score 620–719Credit score 720+
Issuer site ↗
Purchase APR
7.99–15.99%
Annual fee
None
0% intro
None
0% transfer
None
Foreign fee
None
Grace period
30 days

Purchase APR by credit tier

Median rate the issuer reported for each tier

No score
10.99%
≤619
15.99%
620–719
10.99%
720+
7.99%
Lowest offered7.99%
Median10.99%
Highest offered15.99%

Cash advance APR

No score
10.99%
≤619
15.99%
620–719
10.99%
720+
7.99%
Lowest offered7.99%
Median—
Highest offered15.99%

Every fee on this card

Annual feeNone
Balance transfer feeNone
Cash advance feeNone
Foreign transaction feeNone
Purchase transaction feeNone
Late fee—
Over-limit feeNone
Minimum finance chargeNone
Balance computationPrevious balance

Late fee policy: Late Fee is $30 but cannot be greater than the minimum payment amount due.

Rewards, benefits and features

Rewards

None reported

Services
  • Access to Free Credit Scores
  • Credit card registration
  • Debt cancellation coverage
  • Extension on manufacturer’s warranty
Features
  • Contactless Payments
  • Chip card
  • Fee-free foreign transactions
  • Mobile wallet provisioning (for example, Apple Pay)

Who can get this card

AvailabilityOne State/Territory
StatesSC
Membership requirementsYes
RequirementGeographic Restrictions Beyond Place of Residence
RequirementProfessional Affiliation

Geographic: As a community chartered Credit Union, TRU FCU only offers loans and products to qualified members that live work, worship, or attend school in one of our covered area/counties.

Affiliation: As a community chartered Credit Union, TRU FCU only offers loans and products to qualified members that live work, worship, or attend school in one of our covered area/counties.

Balance transfer

This card does not offer a balance transfer rate.

Cost to carry a balance
Interest for a year at 10.99%$329.70
Annual / periodic fees$0
Total yearly cost$329.70

Simple interest on a constant balance — a plain-language upper bound rather than an amortisation schedule. Paying in full each month within the 30-day grace period avoids the interest entirely.

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