Detected in the CFPB-filed cardholder agreements from United Consumers Credit Union. Verbatim quotes below — CardSleuth flags the language; this isn't legal advice.
Penalty APR
Slip up and your rate can jump to a much higher penalty APR.
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“…AGE for more important information about your account. ?? CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved 02409308-MXC10-C-1-092321 (MXC102-E) Penalty APR and When it Applies Visa UC Rewards NONE Visa Share Secured NONE Visa NONE How to Avoid Paying Interest on Your due date is at least 25 days after th…”
Balance computationAverage daily balance excluding new purchases
Additional fees
Returned Payment Fee$25
Late fee policy: 5% of the payment with a min of $15 and max of $25
Rewards, benefits and features
Rewards
None reported
Services
None reported
Features
Contactless Payments
Chip card
Fee-free foreign transactions
Mobile wallet provisioning (for example, Apple Pay)
Other
Who can get this card
AvailabilityRegional
StatesKS, MO
Membership requirementsYes
RequirementOther. Please Describe:
Balance transfer
This card does not offer a balance transfer rate.
Cost to carry a balance
Interest for a year at 13.24%$397.20
Annual / periodic fees$0
Total yearly cost$397.20
Simple interest on a constant balance — a plain-language upper bound rather than an amortisation schedule. Paying in full each month within the 22-day grace period avoids the interest entirely.
Cardholder agreements
3 documents filed by United Consumers Credit Union in the 2026 Q1 archive.