Trumark Financial Credit Union Dba Trumark Credit Union
1 cardholder agreement · 569 KB
- Starting score100
- Forced arbitration with no opt-out-30
- Class-action waiver-12
- Change-anytime clause-8
- Penalty APR-6
- Fair Terms score44 · grade D
See the exact wording behind each below.
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Contract X-Ray — what's buried in the fine print
4 red flags · 1 filed docDetected in the CFPB-filed cardholder agreements from Trumark Financial Credit Union Dba Trumark Credit Union. Verbatim quotes below — CardSleuth flags the language; this isn't legal advice.
You give up your right to sue in court — disputes are pushed into private arbitration.
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“…gencies, and/or others who may properly receive such information. 25. ARBITRATION OF DISPUTES AND CLAIMS EXCEPT AS SPECIFICALLY PROVIDED HEREIN, THIS ARBITRATION PROVISION SUBSTANTIALLY LIMITS OR AFFECTS YOUR RIGHTS. PLEASE READ IT CAREFULLY. NEITHER PARTY WILL HAVE THE RIGHT TO HAVE A JURY DECIDE ANY CLAIM OR DISPUTE A…”
You can't band together with other cardholders in a class action.
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“…TY TO APPEAL IS LIMITED IN AN ARBITRATED MATTER. MOREOVER, NEITHER PARTY OR ANYONE ACTING ON THEIR BEHALF CAN PURSUE A CLAIM OR DISPUTE IN A CLASS OR REPRESENTATIVE ACTION. Arbitration is a method of deciding disputes outside the court system. The parties agree and understand they choose arbitration instead of litigatio…”
The issuer reserves the right to change your rates, fees and terms at any time.
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“…ard or different loan draft forms at any time without notice, and if we do so you agree to use only the new forms. 21. CHANGING TERMS OF AGREEMENT We can change the terms of this Agreement and Disclosure Statement at any time. If we do so we will mail or deliver to you a copy of these changes. We may give you written notice of changes in terms by printing it on your monthl…”
Slip up and your rate can jump to a much higher penalty APR.
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“…iod Visa Signature and Cash Back Visa Signature: Your APR will be 11.24% to 17.24% depending on our review of your application and credit worthiness. Penalty APR and When it None Applies Your due date is 28 days after the close of each billing cycle. We will not charge Paying interest you any interest on purch…”
Checked & clear: Jury-trial waiver · Deferred interest
Cardholder agreements
Filed with the CFPB in the 2026 Q1 bulk submission. Opens the original PDF.