Credit Union One Credit UnionAccess Credit CardRegistry illustration · issuer artwork unavailable

Access Credit CardCredit Union One Credit Union · state credit union, MI · NCUA 62562

CurrentLast observed Oct 14, 2026Official issuerCredit card · Consumer · Mastercard · securedNetwork stated on issuer websiteFiled as “ACCESS MASTERCARD”

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Purchase APR

—

Balance transfer

—

Cash advance APR

—

Annual fee

No annual credit card fee

a year

Foreign fee

—

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	—	no source read
Penalty APRafter a late or returned payment	—	no source read
Paying interestgrace period on new purchases	—	no source read
Annual fee	No annual credit card feeCREDIT UNION ONE · Page Capture Oct 14, 2026 · Captured Oct 14, 2026	“No annual fee”CREDIT UNION ONE · Page Capture Oct 14, 2026 · Captured Oct 14, 2026	Website
Transaction fees
Cash advance	—	no source read
Balance transfer	—	no source read
Foreign transaction	—	no source read
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.

CREDIT UNION ONE
Page Capture Oct 14, 2026 · Captured Oct 14, 2026 · record official-issuer:page:url:586489c85af4c308a21ac572a6ae550402caeaecfdf6011e37aabe68ea16f70c
“No annual fee”
Open source link ↗
CREDIT UNION ONE
Page Capture Oct 14, 2026 · Captured Oct 14, 2026 · record official-issuer:page:url:cc3552d53d7ff8e5b96246cdd1dee7f20c12179febfa1d86f83108b841026db4
“No annual credit card fee”
Open source link ↗
CREDIT UNION ONE
Page Capture Oct 14, 2026 · Captured Oct 14, 2026 · record official-issuer:page:url:cc3552d53d7ff8e5b96246cdd1dee7f20c12179febfa1d86f83108b841026db4
“23.00”
Additional source detail; structured values remain unknown. The 23.00% general credit-card APR is not assigned a transaction purpose; only the separate 27.00% cash-advance APR is purpose-qualified.
Open source link ↗
CREDIT UNION ONE
Page Capture Oct 14, 2026 · Captured Oct 14, 2026 · record official-issuer:page:url:586489c85af4c308a21ac572a6ae550402caeaecfdf6011e37aabe68ea16f70c
“23.00”
Additional source detail; structured values remain unknown. The 23.00% variable APR is not assigned a transaction purpose; only the separately labelled cash-advance APR is typed.
Open source link ↗
CREDIT UNION ONE
Page Capture Oct 14, 2026 · Captured Oct 14, 2026 · record official-issuer:page:url:cc3552d53d7ff8e5b96246cdd1dee7f20c12179febfa1d86f83108b841026db4
“Maybe your finances have taken a hit in recent years and your credit rating has suffered. Or maybe you don't have much of a credit history at this point and can't qualify for a typical credit card. Enter the Access Credit Card. This special card lets you tap into the worldwide buying power of Mastercard while taking steps to establish a solid credit rating. Plus, you're in control with a credit l…”
Open source link ↗
CREDIT UNION ONE
Page Capture Oct 14, 2026 · Captured Oct 14, 2026 · record official-issuer:page:url:586489c85af4c308a21ac572a6ae550402caeaecfdf6011e37aabe68ea16f70c
“Choose from three Mastercard credit card options”
Open source link ↗
CREDIT UNION ONE
Page Capture Oct 14, 2026 · Captured Oct 14, 2026 · record official-issuer:page:url:cc3552d53d7ff8e5b96246cdd1dee7f20c12179febfa1d86f83108b841026db4
“Your credit limit equals the amount of your security deposit.”
Open source link ↗
CREDIT UNION ONE
Page Capture Oct 14, 2026 · Captured Oct 14, 2026 · record official-issuer:page:url:586489c85af4c308a21ac572a6ae550402caeaecfdf6011e37aabe68ea16f70c
“APR= Annual Percentage Rate. Subject to approval based on overall creditworthiness factors. Foreign transaction fee of 2.00% of each transaction amount in U.S. dollars completed outside the U.S. and/or for each transaction in U.S. dollars completed in a foreign currency. Cash advance fee of $10 or 2.00% of the amount of each cash advance whichever is greater. Card must be secured against member d…”
Open source link ↗

History

dates on sources or when they were captured

Oct 14, 2026: Annual fee

Offered through: Credit Union One Credit Union
Legal issuer: Not established by retained evidence
Regulator: NCUA charter 62562
Branches: 17 in MI
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.

Access Credit CardCredit Union One Credit Union · state credit union, MI · NCUA 62562

Rates and fees