Detected in the CFPB-filed cardholder agreements from Whatcom Educational Credit Union. Verbatim quotes below — CardSleuth flags the language; this isn't legal advice.
Change-anytime clause
The issuer reserves the right to change your rates, fees and terms at any time.
Show the exact wording ↓Hide wording ↑
“…Your eligible WECU Checking or Savings accounts, or WECU credit products that are qualified to receive cash redemptions. 13. We reserve the right to modify, suspend, or cancel these Program Terms and Conditions at any time, with or without notice to you. If the Program is canceled, you will be given an opportunity to redeem your rewards balance within a limited time, af…”
“…Your eligible WECU Checking or Savings accounts, or WECU credit products that are qualified to receive cash redemptions. 11. We reserve the right to modify, suspend, or cancel these Program Terms and Conditions at any time, with or without notice to you. If the Program is canceled, you will be given an opportunity to redeem your rewards balance within a limited time, af…”
Balance computationAverage daily balance excluding new purchases
Additional fees
NSF/Returned Check Fee$5
Returned mail fee$5
Late fee policy: Late fees are 5% of the minimum payment up to a maximum of $25
Rewards, benefits and features
Rewards
Cashback rewards
Travel-related rewards
Other rewards
Services
Access to Free Credit Scores
Extension on manufacturer’s warranty
Other
Features
Contactless Payments
Chip card
Fee-free foreign transactions
Mobile wallet provisioning (for example, Apple Pay)
Issuer note: Cardholder can purchase gift cards, merchandise, experiences, and make donations to charities and pay with points at select merchants.
Who can get this card
AvailabilityNational
Membership requirementsOpen to the public
Phone800-525-8703
Balance transfer
This card does not offer a balance transfer rate.
Cost to carry a balance
Interest for a year at 17.24%$517.20
Annual / periodic fees$0
Total yearly cost$517.20
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
6 documents filed by Whatcom Educational Credit Union in the 2026 Q1 archive.