Red Canoe Credit UnionCredit Builder Secured VISA Credit CardRegistry illustration · issuer artwork unavailable

Credit Builder Secured VISA Credit CardRed Canoe Credit Union · state credit union, OR · NCUA 68196

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

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Purchase APR

14.90%–19.90%

p.5fixed

Balance transfer

14.90%–19.90%

p.5fixed

Cash advance APR

14.90%–19.90%

p.5fixed

Annual fee

p.5none

Foreign fee

—

Grace period

—

Product terms with exact source passages
Term	Value	As printed in the source	Source
APR for purchases	14.90%–19.90%RED CANOE · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	“Your APR will be 14.90%-19.90% based on your creditworthiness when you open your account..”RED CANOE · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	p. 5
APR for balance transfers	14.90%–19.90%RED CANOE · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	“Your APR will be 14.90%-19.90% based on your creditworthiness when you open your account.”RED CANOE · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	p. 5
APR for cash advances	14.90%–19.90%RED CANOE · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	“Your APR will be 14.90%-19.90% based on your creditworthiness when you open your account..”RED CANOE · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	p. 5
Penalty APRafter a late payment	19.90%RED CANOE · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	“19.90% This APR may be applied to your account if you make a late payment. How Long Will the Penalty APR Apply? If your APR is increased for this reason, the Penalty APR will apply until you make six consecutive minimum payments when due.”RED CANOE · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	p. 5
Paying interestgrace period on new purchases	—	no source read
Annual fee	$0RED CANOE · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	“None”RED CANOE · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	p. 5
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.

RED CANOE
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 5
“Your APR will be 14.90%-19.90% based on your creditworthiness when you open your account.”
No public source address
RED CANOE
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 5
“Your APR will be 14.90%-19.90% based on your creditworthiness when you open your account..”
No public source address
RED CANOE
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 5
“19.90% This APR may be applied to your account if you make a late payment. How Long Will the Penalty APR Apply? If your APR is increased for this reason, the Penalty APR will apply until you make six consecutive minimum payments when due.”
No public source address
RED CANOE
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 5
“Your APR will be 14.90%-19.90% based on your creditworthiness when you open your account..”
No public source address
RED CANOE
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 5
“None”
No public source address

History

dates on sources or when they were captured

Aug 23, 2026: Annual fee, Balance transfer APR, Cash advance APR, Penalty APR, Purchase APR

Offered through: Red Canoe Credit Union
Legal issuer: Not established by retained evidence
Regulator: NCUA charter 68196
Branches: 12 in OR, WA
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.

Credit Builder Secured VISA Credit CardRed Canoe Credit Union · state credit union, OR · NCUA 68196

Rates and fees