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60

Visa Classic

Trugrocer Federal Credit Union

NationalFixed rateNo credit scoreCredit score 619 or lessCredit score 620–719Credit score 720+
Purchase APR
16.90%
Annual fee
None
0% intro
1.99%
0% transfer
1.99%
Foreign fee
1%
Grace period
25 days

Purchase APR by credit tier

Median rate the issuer reported for each tier

The purchase rate was not broken out by credit tier — the issuer reported a single range.

Lowest offered16.90%
Median16.90%
Highest offered16.90%

Introductory purchase APR

Promotional window: 12 months

The intro rate was not broken out by credit tier — the issuer reported a single range.

Lowest offered1.99%
Median1.99%
Highest offered1.99%

Balance transfer APR

Promotional window: 12 months · grace period retained on purchases

The transfer rate was not broken out by credit tier — the issuer reported a single range.

Lowest offered1.99%
Median1.99%
Highest offered1.99%

Cash advance APR

The cash advance rate was not broken out by credit tier — the issuer reported a single range.

Lowest offered16.90%
Median16.90%
Highest offered16.90%

Every fee on this card

Annual feeNone
Balance transfer feeNone
Cash advance feeNone
Foreign transaction fee1%
Purchase transaction feeNone
Late fee$25
Over-limit feeNone
Minimum finance chargeNone
Balance computationAverage daily balance including new purchases
Additional fees
Returned Payment Fee$30
Document Copy Fee$4
Rush Fee$65

Rewards, benefits and features

Rewards
  • Cashback rewards
  • Travel-related rewards
  • Other rewards
Services

None reported

Features
  • Contactless Payments
  • Chip card
  • Mobile wallet provisioning (for example, Apple Pay)

Issuer note: Gift Cards

Who can get this card

AvailabilityNational
Membership requirementsYes
RequirementOther. Please Describe:
Phone855-320-6460
Balance transfer calculator
Stay put — 12 mo at 24%$600
Transfer fee (0%)$0
Promo interest at 1.99%$49.75
You save$550.25

Assumes you pay the balance down evenly across the 12-month promotional window, so the average outstanding balance is about half the transfer. Rates revert to 16.90% afterwards.

Cost to carry a balance
Interest for a year at 16.90%$507.00
Annual / periodic fees$0
Total yearly cost$507.00

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

3 documents filed by Trugrocer Federal Credit Union in the 2026 Q1 archive.

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