Navy Federal Credit Union

1 cardholder agreement · 97 KB · 7 surveyed cards

Fair Terms · grade A (94/100)

1 contract red flag across 1 filed doc · 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.

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

1 red flag · 1 filed doc

Detected in the CFPB-filed cardholder agreements from Navy 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%

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“…Flagship Rewards 14.74% to 18.00% cashRewards Secured 18.00% This APR will vary with the market based on the U.S. Prime Rate. Cash Advance APR 18.00% Penalty APR and When It Applies 18.00% This APR may apply to your account if you: ?are over 60 days past due or ?make a payment that is returned and causes your…”

573CC (2-26) ↗

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