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Texans Credit Union

2 cardholder agreements · 192 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.

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

1 red flag · 2 filed docs

Detected in the CFPB-filed cardholder agreements from Texans 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.

Show the exact wording ↓
“…the market based on vary with the market based on will vary with the market the Prime Rate. the Prime Rate. the Prime Rate. based on the Prime Rate. Penalty APR and When it None Applies Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases or…”
Credit Card Solicitation Disclosure ↗

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 Agreement Disclosure108 KBCredit Card Solicitation Disclosure84 KB