Celtic BankSurgeRegistry illustration · issuer artwork unavailable

SurgeCeltic Bank · NM bank, UT · FDIC 57056

CurrentLast observed Aug 23, 2026Source date Aug 23, 2026Official issuerCredit card · Consumer

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Purchase APR

—

Balance transfer

—

Cash advance APR

35.90%

p.1fixed

Annual fee

$125

p.1a year

Foreign fee

p.1of the amount

Grace period

—

Product terms with exact source passages
Term	Value	As printed in the source	Source
APR for purchases	—	no source read
APR for balance transfers	—	no source read
APR for cash advances	35.90%Celtic Bank · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	“35.90%”Celtic Bank · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	p. 1
Penalty APRafter a late or returned payment	—	no source read
Paying interestgrace period on new purchases	—	no source read
Annual fee	$125Celtic Bank · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	“$125 annuallv”Celtic Bank · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	p. 1
Transaction fees
Cash advance	3% of the amount, minimum $10Celtic Bank · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	“Either $10 or 3% of the amount of each Cash Advance, whichever is greater”Celtic Bank · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	p. 1
Balance transfer	—	no source read
Foreign transaction	3% of the amountCeltic Bank · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	“3% of each transaction in U.S. dollars.”Celtic Bank · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	p. 1
Penalty fees
Late payment	—	no source read
Returned payment	—	no source read

Sources and dates

Contractual terms come from retained issuer disclosures. Historical cohort statistics come from the CFPB survey and do not change the issuer's terms.

Issuer disclosures and source details

Exact passages support the published terms or show additional details that remain unresolved.

Celtic Bank
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 1
“35.90%”
No public source address
Celtic Bank
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 1
“35.90%”
No public source address
Celtic Bank
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 1
“35.90%”
No public source address
Celtic Bank
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 1
“35.90%”
No public source address
Celtic Bank
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 1
“$125 annuallv”
No public source address
Celtic Bank
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 1
“$125 annuallv”
No public source address
Celtic Bank
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 1
“Either $10 or 3% of the amount of each Cash Advance, whichever is greater”
No public source address
Celtic Bank
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 1
“Either $10 or 3% of the amount of each Cash Advance, whichever is greater”
No public source address
Celtic Bank
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 1
“Either $10 or 3% of the amount of each Cash Advance, whichever is greater”
No public source address
Celtic Bank
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 1
“3% of each transaction in U.S. dollars.”
No public source address
Celtic Bank
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 1
“3% of each transaction in U.S. dollars.”
No public source address
Celtic Bank
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 1
“3% of each transaction in U.S. dollars.”
No public source address
Celtic Bank
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 1
“Your payment due date is at least 25 days after the close of each billing cycle. We wil not charge you any interest on purchases if you pay your entire account balance by the payment due date each month. We will begin charging interest on cash advancesl on the transaction date”
Additional source detail; structured values remain unknown. This agreement passage is retained verbatim. The pricing interpretation does not replace the complete card-terms declaration.
No public source address
Celtic Bank
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 1
“Your payment due date is at least 25 days after the close of each billing cycle. We wil not charge you any interest on purchases if you pay your entire account balance by the payment due date each month. We will begin charging interest on cash advancesl on the transaction date”
Additional source detail; structured values remain unknown. This agreement passage is retained verbatim. The pricing interpretation does not replace the complete card-terms declaration.
No public source address
Celtic Bank
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 1
“Your payment due date is at least 25 days after the close of each billing cycle. We wil not charge you any interest on purchases if you pay your entire account balance by the payment due date each month. We will begin charging interest on cash advancesl on the transaction date”
Additional source detail; structured values remain unknown. This agreement passage is retained verbatim. The pricing interpretation does not replace the complete card-terms declaration.
No public source address
Celtic Bank
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 1
“Your payment due date is at least 25 days after the close of each billing cycle. We wil not charge you any interest on purchases if you pay your entire account balance by the payment due date each month. We will begin charging interest on cash advancesl on the transaction date”
Additional source detail; structured values remain unknown. This agreement passage is retained verbatim. The pricing interpretation does not replace the complete card-terms declaration.
No public source address

History

dates on sources or when they were captured

Aug 23, 2026: Annual fee, Cash advance APR, Cash advance fee, Foreign transaction fee

Offered through: Celtic Bank
Legal issuer: Not established by retained evidence
Regulator: FDIC certificate 57056
Branches: 1 in UT
Sources: Official issuer · 0 documents · 0 pages cited

Documents

No republished document is bound to this product. See the sources above for the evidence behind these terms.

SurgeCeltic Bank · NM bank, UT · FDIC 57056

Rates and fees