Detected in the CFPB-filed cardholder agreements from Westmark 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.
Jumps to ~18%
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“…ble APR Purchases ANNUAL PERCENTAGE RATE (APR) for Balance Transfers 17.99% FIXED APR ANNUAL PERCENTAGE RATE (APR) for Cash Advances 17.99% FIXED APR Penalty APR and When it Applies 18.00% FIXED APR. This APR may be applied to Your Account if you make a late payment. How Long Will the Penalty APR Apply? If you…”
Promotional window: 6 months · grace period retained on purchases
The transfer rate was not broken out by credit tier — the issuer reported a single range.
Lowest offered2.99%
Median2.99%
Highest offered2.99%
Cash advance APR
The cash advance rate was not broken out by credit tier — the issuer reported a single range.
Lowest offered17.99%
Median17.99%
Highest offered17.99%
Every fee on this card
Annual feeNone
Balance transfer feeNone
Cash advance feeNone
Foreign transaction fee1%
Purchase transaction feeNone
Late fee—
Over-limit feeNone
Minimum finance chargeNone
Balance computationAverage daily balance including new purchases
Additional fees
Returned Payment Fee$20
Late fee policy: If your payment is more than 10 days late, we may charge you a fee of 5% of your payment amount or $15, whichever is greater.
Rewards, benefits and features
Rewards
None reported
Services
Access to Free Credit Scores
Debt cancellation coverage
Features
Contactless Payments
Chip card
Mobile wallet provisioning (for example, Apple Pay)
Who can get this card
AvailabilityOne State/Territory
StatesID
Membership requirementsOpen to the public
Phone800-574-5626
Balance transfer calculator
Stay put — 6 mo at 24%$300
Transfer fee (0%)$0
Promo interest at 2.99%$37.38
You save$262.63
Assumes you pay the balance down evenly across the 6-month promotional window, so the average outstanding balance is about half the transfer. Rates revert to 12.75% afterwards.
Cost to carry a balance
Interest for a year at 12.75%$382.50
Annual / periodic fees$0
Total yearly cost$382.50
Simple interest on a constant balance — a plain-language upper bound rather than an amortisation schedule. Paying in full each month within the 27-day grace period avoids the interest entirely.
Cardholder agreements
2 documents filed by Westmark Credit Union in the 2026 Q1 archive.