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Banking RegistryReal data. Clear answers.Data as of Oct 14, 2026
Banking RegistryReal data. Clear answers.
Artwork source · Goldenwest Credit Union ↗

VISA BasicGoldenwest Credit Union · federal credit union, ID · NCUA 24693

CurrentLast observed Oct 14, 2026Source date Oct 14, 2026Official issuerCredit card · Consumer · VisaNetwork stated on issuer website
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Purchase APR
10.24%–18%
variable
Balance transfer
10.24%–18%
variable
Cash advance APR
10.24%–18%
variable
Annual fee
No annual fee
a year
Foreign fee
1%
of the amount
Grace period
—

Rates and fees

Product terms with exact source passages
TermValueAs printed in the sourceSource
APR for purchases10.24%–18% variableGOLDENWEST · Page Capture Oct 14, 2026 · Captured Oct 14, 2026“10.24% - 18.00%”GOLDENWEST · Page Capture Oct 14, 2026 · Captured Oct 14, 2026Website
APR for balance transfers10.24%–18% variableGOLDENWEST · Page Capture Oct 14, 2026 · Captured Oct 14, 2026“10.24% - 18.00%”GOLDENWEST · Page Capture Oct 14, 2026 · Captured Oct 14, 2026Website
APR for cash advances10.24%–18% variableGOLDENWEST · Page Capture Oct 14, 2026 · Captured Oct 14, 2026“10.24% - 18.00%”GOLDENWEST · Page Capture Oct 14, 2026 · Captured Oct 14, 2026Website
Penalty APRafter a late or returned payment—no source read
Paying interestgrace period on new purchases—no source read
Annual feeNo annual feeGOLDENWEST · Page Capture Oct 14, 2026 · Captured Oct 14, 2026“No annual fee”GOLDENWEST · Page Capture Oct 14, 2026 · Captured Oct 14, 2026Website
Transaction fees
Cash advance1.50% of the amount, 1.50%GOLDENWEST · Page Capture Oct 14, 2026 · Captured Oct 14, 2026“1.50%”GOLDENWEST · Page Capture Oct 14, 2026 · Captured Oct 14, 2026Website
Balance transfer$0, NoneGOLDENWEST · Page Capture Oct 14, 2026 · Captured Oct 14, 2026“None”GOLDENWEST · Page Capture Oct 14, 2026 · Captured Oct 14, 2026Website
Foreign transaction1% of the amount, 1.00%GOLDENWEST · Page Capture Oct 14, 2026 · Captured Oct 14, 2026“1.00%”GOLDENWEST · Page Capture Oct 14, 2026 · Captured Oct 14, 2026Website
Penalty fees
Late payment—no source read
Returned payment$22, $22.00GOLDENWEST · Page Capture Oct 14, 2026 · Captured Oct 14, 2026“$22.00”GOLDENWEST · Page Capture Oct 14, 2026 · Captured Oct 14, 2026Website
APR qualificationsBalance transfer · Regular; Cash advance · Regular; Purchase · Regular10.24% - 18.00%GOLDENWEST · Page Capture Oct 14, 2026 · Captured Oct 14, 2026“10.24% - 18.00%”GOLDENWEST · Page Capture Oct 14, 2026 · Captured Oct 14, 2026Website