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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

Contract X-Ray — what's buried in the fine print

0 red flags · 3 filed docs

Detected in the CFPB-filed cardholder agreements from Trugrocer Federal Credit Union. Verbatim quotes below — CardSleuth flags the language; this isn't legal advice.

No arbitration, penalty-APR, deferred-interest or change-anytime red flags detected in this issuer's filed agreements.

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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