Purchase APR
11.50–18%
Annual fee
None
Foreign fee
1%
620–719720+Cashback
Carrying $3k for a year ≈ $492
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52
VARIABLE RATE
United Savings Credit Union
RegionalVariable · PrimeCredit score 619 or lessCredit score 620–719Credit score 720+
Purchase APR
12.25–21.25%
Annual fee
None
0% intro
None
0% transfer
None
Foreign fee
1%
Grace period
25 days
Purchase APR by credit tier
Median rate the issuer reported for each tier
No score
17.25%
≤619
19.25%
620–719
15.25%
720+
12.75%
Lowest offered12.25%
Median16.42%
Highest offered21.25%
Cash advance APR
No score
17.25%
≤619
19.25%
620–719
15.25%
720+
12.75%
Lowest offered12.25%
Median—
Highest offered21.25%
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
CARD REPLACEMENT FEE$10
Document Copy Fee$12
Pay-by-Phone Fee$5
Rush fee$20
Returned Payment Fee$28
Rewards, benefits and features
Rewards
None reported
Services
- Other
Features
- Chip card
- Mobile wallet provisioning (for example, Apple Pay)
Who can get this card
AvailabilityRegional
StatesMN, ND
Membership requirementsYes
RequirementOther. Please Describe:
Phone701-356-1393
Balance transfer
This card does not offer a balance transfer rate.
Cost to carry a balance
Interest for a year at 16.42%$492.60
Annual / periodic fees$0
Total yearly cost$492.60
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.
Similar cards
Purchase APR
14.40–18%
Annual fee
None
Foreign fee
None
Top-25 issuerNo score≤619Cashback
Carrying $3k for a year ≈ $493.50
Purchase APR
16.49%
Annual fee
None
Foreign fee
0.8%
620–719720+
Carrying $3k for a year ≈ $494.70
Purchase APR
16.49–26.49%
Annual fee
None
Foreign fee
None
Top-25 issuer620–719720+Cashback
Carrying $3k for a year ≈ $494.70