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 10.99%Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
Good credit	median 12.99%Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
Poor credit	median 10.99%Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
No credit score	median 10.99%Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
All applicants	8.99%–18% variableSECURITY SERVICE · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	“8.99% to 18.00% based on your creditworthiness. These APRs will vary with the market based on the Prime Rate. (For upgraded existing SSFCU credit cards, the rate will be effective on purchases made beginning with the next billing cycle).”SECURITY SERVICE · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	p. 1
APR for balance transfersintroductory rate first	0%–9.90% variableConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
APR for cash advances
Great credit	median 10.99%Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
Good credit	median 12.99%Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
Poor credit	median 10.99%Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
No credit score	median 10.99%Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
All applicants	8.99%–18% variableSECURITY SERVICE · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	“8.99% to 18.00% based on your creditworthiness. These APRs will vary with the market based on the Prime Rate. (For upgraded existing SSFCU credit cards, the rate will be effective on new cash advances made beginning with the next billing cycle).”SECURITY SERVICE · 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	30 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	up to 2% — Up to 2.00% .SECURITY SERVICE · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	“Up to 2.00% .”SECURITY SERVICE · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	p. 1
Balance transfer	up to $200 — Up to 2.00% with a $200 limit.SECURITY SERVICE · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	“Up to 2.00% with a $200 limit.”SECURITY SERVICE · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	p. 1
Foreign transaction	1.10% of the amountConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
Penalty fees
First late fee	$25Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
Returned payment	up to $20SECURITY SERVICE · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	“Up to $20.”SECURITY SERVICE · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	p. 1
Other fees
Return Payment	$20, When the Payment is returned for insufficient fundsConsumer 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
Balance transfer terms	YesConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
Opening conditions	Credit Union Membership required.Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website

Power Credit Card Online June 2022page 1 of 6

Security Service Power Mastercard®

Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases · 8.99% to 18.00% based on your creditworthiness. These APRs will vary with the market based on the Prime Rate. (For upgraded existing SSFCU credit cards, the rate will be effective on purchases made beginning with the next billing cycle). APR for Balance Transfers · 8.90% to 9.90% based on your creditworthiness. These APRs are a fixed rate and will not vary with the Prime Rate. (For upgraded existing SSFCU credit cards, the rate will be effective on new balance transfers made beginning with the next billing cycle). APR for Cash Advances · 8.99% to 18.00% based on your creditworthiness. These APRs will vary with the market based on the Prime Rate. (For upgraded existing SSFCU credit cards, the rate will be effective on new cash advances made beginning with the next billing cycle). 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 balance transfers and cash advances on the transaction date. For Credit Card Tips from the Consumer Financial Protection Bureau · To learn more about factors to consider when applying for a credit card or using a credit card, visit the website of the Consumer Financial Protection Bureau at: http://www.consumerfinance.gov/learnmore/

Fees Transaction Fees Balance Transfer Fee · Up to 2.00% with a $200 limit. Cash Advance Fee · Up to 2.00% . Foreign Transaction Fee · Up to 1.10% . Penalty Fees Late Payment · Up to $25 . Returned Payment · Up to $20.

How we calculate your balance: We use the method called the average daily balance (including new purchases). This balance is figured by adding the outstanding balance (including new purchases and deducting payments and credits) for each day in the billing cycle, and then dividing by the number of days in the billing cycle.

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 6Page 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.

SECURITY SERVICE
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 1
“8.99% to 18.00% based on your creditworthiness. These APRs will vary with the market based on the Prime Rate. (For upgraded existing SSFCU credit cards, the rate will be effective on new cash advances made beginning with the next billing cycle).”
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SECURITY SERVICE
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 1
“8.99% to 18.00% based on your creditworthiness. These APRs will vary with the market based on the Prime Rate. (For upgraded existing SSFCU credit cards, the rate will be effective on purchases made beginning with the next billing cycle).”
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SECURITY SERVICE
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 1
“Up to 2.00% with a $200 limit.”
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SECURITY SERVICE
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 1
“Up to 2.00% with a $200 limit.”
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SECURITY SERVICE
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 1
“Up to 2.00% .”
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SECURITY SERVICE
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 1
“Up to 2.00% .”
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SECURITY SERVICE
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 1
“Up to $20.”
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SECURITY SERVICE
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 1
“Up to $20.”
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SECURITY SERVICE
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 purchases if you pay your entire balance by the due date each month. We will begin charging interest on balance transfers and cash advances on the transaction date.”
Additional source detail; structured values remain unknown. This agreement passage is retained verbatim. The pricing interpretation does not replace the complete card-terms declaration.
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SECURITY SERVICE
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 purchases if you pay your entire balance by the due date each month. We will begin charging interest on balance transfers and cash advances on the transaction date.”
Additional source detail; structured values remain unknown. This agreement passage is retained verbatim. The pricing interpretation does not replace the complete card-terms declaration.
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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:security-service-federal-credit-union:power-credit-card
Fields: Balance Transfer Offered?, Median Length of Balance Transfer APR, Purchase APR Index, Transfer APR max, Transfer APR median, Transfer 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:security-service-federal-credit-union:power-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:security-service-federal-credit-union:power-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:security-service-federal-credit-union:power-credit-card
Fields: Advance APR no score, 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:security-service-federal-credit-union:power-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:security-service-federal-credit-union:power-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:security-service-federal-credit-union:power-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:security-service-federal-credit-union:power-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:security-service-federal-credit-union:power-credit-card
Fields: Purchase APR Index, Purchase APR Offered?, Purchase APR no score, 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:security-service-federal-credit-union:power-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:security-service-federal-credit-union:power-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:security-service-federal-credit-union:power-credit-card
Fields: Foreign Transaction Fee ($), Foreign Transaction Fee (%), Foreign Transaction Fee Calculation, Foreign Transaction Fees Types, Foreign Transaction Fees?, Minimum Foreign Transaction Fee Amount
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Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:security-service-federal-credit-union:power-credit-card
Fields: Late Fee ($), 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:security-service-federal-credit-union:power-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:security-service-federal-credit-union:power-credit-card
Fields: Over Limit Fee ($), Over Limit Fee Types, Over Limit Fees?, Overlimit Fee Detail
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Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:security-service-federal-credit-union:power-credit-card
Fields: Minimum Purchase Transaction Fee Amount, Purchase Transaction Fee ($), 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:security-service-federal-credit-union:power-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, Cash advance APR, Cash advance fee, Purchase APR, Returned payment fee
Dec 31, 2025: Annual fee, Balance transfer APR, Balance transfer terms, Card terms, Cash advance APR, Foreign transaction fee, Late payment fee, Other fee, Over limit fee, Purchase APR, Purchase transaction fee

Offered through: Security Service Credit Union
Legal issuer: Not established by retained evidence
Regulator: NCUA charter 11065
Branches: 72 in CO, TX, UT
Sources: Government dataset · 2 documents · 1 page cited

Documents

Power Credit Card Online June 2022effective date not parsed
Power MasterCard Agreement and Disclosureeffective date not parsed

Power Credit CardSecurity Service Credit Union · federal credit union, CO · NCUA 11065

Rates and fees