Detected in the CFPB-filed cardholder agreements from Valley Strong Credit Union. Verbatim quotes below — CardSleuth flags the language; this isn't legal advice.
Forced arbitration
You give up your right to sue in court — disputes are pushed into private arbitration.
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“…ration Agreement ), even if the Claims arise out of, affect or relate to conduct that occurred prior to the Effective Date, shall, at the election of either you or us, be resolved by binding arbitration administered by the American Arbitration Association ( AAA ) in accordance with its applicable rules and procedures for consumer disputes ( Rules…”
You can't band together with other cardholders in a class action.
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“…ed (other than certain participation fees for a credit card account). Please call us at (800) 221-3311 to receive disclosures orally. ARBITRATION AND WAIVER OF CLASS ACTION You and the Credit Union agree that we shall attempt to informally settle any and all disputes arising out of, affecting, or relating to your…”
The issuer reserves the right to change your rates, fees and terms at any time.
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“…using a service representative, providing photocopies and reprints that you request, and other special services as allowed by law. 15. Amendments We may amend or cancel this agreement at any time by getting your consent as provided by law or by giving you a notice of the amendments. Cards are property of the Financial Institution and must be r…”
The contract lets you reject arbitration (usually within a short deadline) and keep your right to sue.
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“…le. G. Survival. This Arbitration Agreement will survive termination of the Account and/or this Agreement. H. Right to Opt-Out. You have the right to opt-out of this Arbitration Agreement, provided you notify the Credit Union of your intent to do so within 60 days after it is provided to you. Your opt-out is only effective…”
Balance computationAverage daily balance including new purchases
Additional fees
Returned Payment$15
Late fee policy: Up to $10 if payment is returned for any reason.
Rewards, benefits and features
Rewards
None reported
Services
Access to Free Credit Scores
Extension on manufacturer’s warranty
Other
Features
Contactless Payments
Chip card
Mobile wallet provisioning (for example, Apple Pay)
Other
Who can get this card
AvailabilityNational
Membership requirementsYes
RequirementGeographic Restrictions Beyond Place of Residence
RequirementProfessional Affiliation
RequirementOther. Please Describe:
Geographic: Worship in an approved County
Affiliation: Employee of a Board member, Relative of a Valley Strong Member
Phone800-221-3311
Balance transfer
This card does not offer a balance transfer rate.
Cost to carry a balance
Interest for a year at 16.75%$502.50
Annual / periodic fees$0
Total yearly cost$502.50
Simple interest on a constant balance — a plain-language upper bound rather than an amortisation schedule. Paying in full each month within the 21-day grace period avoids the interest entirely.
Cardholder agreements
2 documents filed by Valley Strong Credit Union in the 2026 Q1 archive.