GECU Credit UnionRewards Credit CardRegistry illustration · issuer artwork unavailable

Rewards Credit CardGECU Credit Union · federal credit union, NM · NCUA 24941

CurrentLast observed Sep 6, 2026Source date Dec 31, 2025Government datasetCredit card · Consumer · unsecured

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Purchase APR

14.74%–17.90%

great to poor

Balance transfer

—

Cash advance APR

16.74%–17.90%

variable

Annual fee

a year

Foreign fee

p.1of the amount

Grace period

25 days

from cycle close

Product terms with exact source passages
Term	Value	As printed in the source	Source
APR for purchasesintroductory rate first
Introductory	NoneConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
Great credit	median 14.99%Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
Good credit	median 17.74%Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
Poor credit	median 17.90%Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
All applicants	14.74%–17.90% variableConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
APR for balance transfers	NoneConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
APR for cash advances
Great credit	median 16.99%Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
Good credit	median 17.90%Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
Poor credit	median 17.90%Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
All applicants	16.74%–17.90% variableConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
Penalty APRafter a late or returned payment	—	no source read
Paying interestgrace period on new purchases	25 days from the close of each billing cycle	—	—
How we calculate your balance	Average daily balance including new purchases	—	—
Annual fee	$0Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
Transaction fees
Cash advance	$0Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
Balance transfer	$0GECU · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	“None”GECU · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	p. 1
Foreign transaction	1% of the amount, Foreign Transaction Fee: Foreign transaction fees may apply for three types of transactions: GECU assesses a foreign transaction fee as set forth in the Fees and Charges section above.GECU · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	“1% of transaction”GECU · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	p. 1
Penalty fees
First late fee	$25, If a payment is 10 days or more past due, a Late Payment Fee up to $25 will be charged. If the minimum payment is less than $25, the Late Payment Fee will be equal to the minimum payment.Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
Returned payment	—	no source read
Other fees
Returned Payment	$25, Returned Payment Fee up to $25 charged if any payment is returned unpaid for any reason each time any payment is returned unpaid, even if it is paid upon resubmission. If the minimum payment is less than $25, the Returned Payment Fee will be equal to theConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
Credit Disability	$2, Optional coverage to help make monthly loan payments if the insured borrower is totally disabled; $2.00 per $1,000 balanceConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
Credit Life	$2, Optional coverage to pay off or reduce the balance in the event of an insured borrower’s terminal illness or accidental dismemberment, or death; $2.00 per $1,000 balanceConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
Over limit	$0Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
Purchase transaction	$0Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
Opening conditions	Credit union membership eligibility.Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website

REWARDS CREDIT CARD AGREEMENT AND DISCLOSURE 1.1.26page 1 of 12

CREDIT CARD AGREEMENT AND DISCLOSURE STATEMENT FOR YOUR GECU FEDERAL CREDIT UNION REWARDS CREDIT CARD

Disclosure to GECU Federal Credit Union (GECU) Rewards Credit Card Agreement and Disclosure Statements

Disclosure of variable rates and fees are accurate and based on the Prime Rate of 6.75% in effect as of January 1, 2026 and may have changed. To receive the most recent information, contact GECU at 1-800-772-4328.

Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases, Balance Transfers, and Convenience Checks · 14.24%, 15.24%, 17.24% or 17.90% as of 1-1-26, depending on your creditworthiness 1 This APR will vary on the market based on the Prime Rate. 2 APR for Cash Advances · 2% above your APR for Purchases, not to exceed 17.90%. The APR will vary on the market based on the Prime Rate. 2 Penalty APR and When it Applies · None Paying Interest · Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances, balance transfers, and convenience checks on the transaction date. How to Avoid Paying Interest on Purchases · Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. Minimum Interest Charge · None For Credit Card Tips from the Consumer Financial Protection Bureau · To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore

Fees and Charges Annual Fee · None Transaction Fees • Balance Transfer • Foreign Transaction · None 1% of transaction Penalty Fees • Late Payment • Over-the-Limit • Returned Payment · If payment is 10 days or more past due, you will be charged up to $25 . None Up to $25

How We Will Calculate your Balance: We will use a method called 'average daily balance (including purchases)'. See your account agreement for more details.

Military Lending Act Disclosures: Federal law provides important protections to members of the Armed Forces and their dependents relating to extensions of consumer credit. In general, the cost of consumer credit to a member of the Armed Forces and his or her dependent may not exceed an annual percentage rate (APR) of 36%. This rate must include, as applicable to the credit transaction or account: The costs associated with credit insurance premiums; fees for ancillary products sold in connection with the credit transaction; any application fee charged (other than certain application fees for specified credit transactions or accounts); and any participation fee charged (other than certain participation fees for a credit card account). Please call us at (844) 351-4328 to receive disclosures orally.

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement.

1 2 3 4 5 6 7 8 9 10 11 12Page 1 is cited

Archived Aug 23, 2026Open full document

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.

GECU
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 1
“None”
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GECU
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 1
“1% of transaction”
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CFPB survey — historical cohort statistics

Reported medians describe observed cohorts at the survey date; they are not contractual APR ranges.

Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:gecu-federal-credit-union:rewards-credit-card
Fields: Balance Transfer Offered?
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Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:gecu-federal-credit-union:rewards-credit-card
Fields: Advance APR max, Advance APR median, Advance APR min, Cash Advance APR Offered?, Purchase APR Index, Variable Rate Index
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Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:gecu-federal-credit-union:rewards-credit-card
Fields: Advance APR good, Cash Advance APR Offered?, Purchase APR Index, Variable Rate Index
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Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:gecu-federal-credit-union:rewards-credit-card
Fields: Advance APR great, Cash Advance APR Offered?, Purchase APR Index, Variable Rate Index
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Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:gecu-federal-credit-union:rewards-credit-card
Fields: Advance APR poor, Cash Advance APR Offered?, Purchase APR Index, Variable Rate Index
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Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:gecu-federal-credit-union:rewards-credit-card
Fields: Introductory APR Offered?
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Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:gecu-federal-credit-union:rewards-credit-card
Fields: Purchase APR Index, Purchase APR Offered?, Purchase APR max, Purchase APR median, Purchase APR min, Variable Rate Index
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Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:gecu-federal-credit-union:rewards-credit-card
Fields: Purchase APR Index, Purchase APR Offered?, Purchase APR good, Variable Rate Index
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Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:gecu-federal-credit-union:rewards-credit-card
Fields: Purchase APR Index, Purchase APR Offered?, Purchase APR great, Variable Rate Index
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Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:gecu-federal-credit-union:rewards-credit-card
Fields: Purchase APR Index, Purchase APR Offered?, Purchase APR poor, Variable Rate Index
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Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:gecu-federal-credit-union:rewards-credit-card
Fields: Annual Fee, Balance Computation Method, Balance Computation Method Details, Balance Transfer Grace Period, Card Features, Contact Information Types, Fee Explanation, Fee Varies?, Grace Period, Grace Period Offered?, Institution Name, Issued by Top 25 Institution, Minimum Finance Charge (Dollars), Minimum Finance Charge?, Monthly Fee, Periodic Fee Type, Periodic max, Periodic min, Product Name, Report Date, Requirements for Opening, Secured Card, Targeted Credit Tiers, Telephone Number for Consumers, Website for Consumer, Weekly Fee
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Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:gecu-federal-credit-union:rewards-credit-card
Fields: Cash Advance Fee ($), Cash Advance Fee (%), Cash Advance Fee Calculation, Cash Advance Fee Types, Cash Advance Fees?, Minimum Cash Advance Fee Amount
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Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:gecu-federal-credit-union:rewards-credit-card
Fields: Late Fee ($), Late Fee Policy Details, Late Fee Types, Late Fees?
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Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:gecu-federal-credit-union:rewards-credit-card
Fields: Other Fee Amount, Other Fee Explanation, Other Fee Name
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Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:gecu-federal-credit-union:rewards-credit-card
Fields: Other Fee Amount 2, Other Fee Explanation 2, Other Fee Name 2
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Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:gecu-federal-credit-union:rewards-credit-card
Fields: Other Fee Amount 3, Other Fee Explanation 3, Other Fee Name 3
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Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:gecu-federal-credit-union:rewards-credit-card
Fields: Over Limit Fee ($), Over Limit Fee Types, Over Limit Fees?, Overlimit Fee Detail
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Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:gecu-federal-credit-union:rewards-credit-card
Fields: Minimum Purchase Transaction Fee Amount, Purchase Transaction Fee ($), Purchase Transaction Fee (%), Purchase Transaction Fee Calculation, Purchase Transaction Fee Type, Purchase Transaction Fees
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Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:gecu-federal-credit-union:rewards-credit-card
Fields: Other, Requirements for Opening, Requirements for Opening Types
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CFPB Good (620–719) and Great (720+) definitions ↗

History

dates on sources or when they were captured

Aug 23, 2026: Balance transfer fee, Foreign transaction fee
Dec 31, 2025: Annual fee, Balance transfer APR, Balance transfer terms, Card terms, Cash advance APR, Cash advance fee, Late payment fee, Other fee, Over limit fee, Purchase APR, Purchase transaction fee

Offered through: GECU Credit Union
Legal issuer: Not established by retained evidence
Regulator: NCUA charter 24941
Branches: 24 in NM, TX
Sources: Government dataset · 1 document · 1 page cited

Documents

REWARDS CREDIT CARD AGREEMENT AND DISCLOSURE 1.1.26effective date not parsed

Rewards Credit CardGECU Credit Union · federal credit union, NM · NCUA 24941

Rates and fees