Long Reach Credit UnionPLATINUM MASTERCARDRegistry illustration · issuer artwork unavailable

PLATINUM MASTERCARDLong Reach Credit Union · federal credit union, WV · NCUA 22241

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

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Purchase APR

10.90%

p.1fixed

Balance transfer

10.90%

p.1fixed

Cash advance APR

10.90%

p.1fixed

Annual fee

—

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	10.90%LONG REACH · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	“10.90% which is a daily periodic rate of 0.0299%”LONG REACH · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	p. 1
APR for balance transfers	10.90%LONG REACH · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	“10.90% which is a daily periodic rate of 0.0299%”LONG REACH · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	p. 1
APR for cash advances	10.90%LONG REACH · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	“10.90%”LONG REACH · 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	—	no source read
Transaction fees
Cash advance	—	no source read
Balance transfer	—	no source read
Foreign transaction	1% of the amountLONG REACH · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	“1.00% of each transaction in U.S. dollars”LONG REACH · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	p. 1
Penalty fees
Late payment	up to $15 — Late Payment FeeLONG REACH · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	“Up to $15.00”LONG REACH · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	p. 1
Returned payment	up to $15 — Returned Payment Fee Emergency Card Replacement Fee C. Returned Payment Fee. If your account is subject to a Returned Payment Fee, the fee will be charged to your account when a payment is returned for any reason.LONG REACH · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	“Up to $15.00”LONG REACH · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	p. 1

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.

LONG REACH
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 1
“10.90% which is a daily periodic rate of 0.0299%”
No public source address
LONG REACH
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 1
“10.90%”
No public source address
LONG REACH
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 1
“10.90% which is a daily periodic rate of 0.0299%”
No public source address
LONG REACH
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 1
“1.00% of each transaction in U.S. dollars”
No public source address
LONG REACH
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 1
“Up to $15.00”
No public source address
LONG REACH
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 1
“Up to $15.00”
No public source address
LONG REACH
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 1
“If you are charged interest, the charge will be no less than $0.50.”
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
LONG REACH
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 1
“Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on caschaseanupay yonretire balance bythe dsa cateeachmonth.We wil begin charging interest”
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: Balance transfer APR, Cash advance APR, Foreign transaction fee, Late payment fee, Purchase APR, Returned payment fee

Offered through: Long Reach Credit Union
Legal issuer: Not established by retained evidence
Regulator: NCUA charter 22241
Branches: 5 in WV
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.

PLATINUM MASTERCARDLong Reach Credit Union · federal credit union, WV · NCUA 22241

Rates and fees