CardSleuth
← All issuers

Grow Financial Federal Credit Union

2 cardholder agreements · 165 KB · 1 surveyed card

A
Fair Terms · grade A (94/100)
1 contract red flag across 2 filed docs · see how every issuer ranks →
Why this grade
  • Starting score100
  • Penalty APR-6
  • Fair Terms score94 · grade A

See the exact wording behind each below.

Proud of this grade? Embed the badge ↓
Preview:AFair Termsverified by CardSleuth
<script src="https://cards.techtonic.llc/widget.js" data-issuer="grow-financial-federal-credit-union"></script>

Paste it anywhere on your site. The badge links back to this page — a real, crawlable link, not an image.

Contract X-Ray — what's buried in the fine print

1 red flag · 2 filed docs

Detected in the CFPB-filed cardholder agreements from Grow Financial Federal 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%
Show the exact wording ↓
“…s APR will vary with the market based on the Prime Rate. market based on the Prime Rate. market based on the Prime Rate. APR for Cash Advances 18.00% Penalty APR and When it 18.00% Applies This APR may be applied to your account if you make a payment that is late 60 days or more twice in a 12-month period. How…”
Credit-Card-Disclosures ↗

Checked & clear: Forced arbitration · Class-action waiver · Jury-trial waiver · Deferred interest · Change-anytime clause

Priced card products

Cardholder agreements

Filed with the CFPB in the 2026 Q1 bulk submission. Opens the original PDF.

Credit-Card-Agreement111 KBCredit-Card-Disclosures54 KB