Sunwest Credit UnionMASTERCARD CREDIT CARDRegistry illustration · issuer artwork unavailable

MASTERCARD CREDIT CARDSunwest Credit Union · federal credit union, AZ · NCUA 2226

CurrentLast observed Oct 4, 2026Source date Dec 31, 2025Government datasetCredit card · Consumer · unsecured

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Purchase APR

—

Balance transfer

—

Cash advance APR

14.90%

fixed

Annual fee

p.2none

Foreign fee

1.10%

of 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 Oct 4, 2026	—	Website
	NoneConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Oct 4, 2026	—	Website
APR for balance transfers	NoneConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Oct 4, 2026	—	Website
APR for cash advances	14.90%Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Oct 4, 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	$0SUNWEST · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	“None”SUNWEST · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	p. 2
Transaction fees
Cash advance	$2Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Oct 4, 2026	—	Website
Balance transfer	$0Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Oct 4, 2026	—	Website
Foreign transaction	1.10% of the amountConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Oct 4, 2026	—	Website
Penalty fees
Late payment	$5SUNWEST · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	“$5.00”SUNWEST · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	p. 2
Repeat late fee within six billing cycles	$5Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Oct 4, 2026	—	Website
Returned payment	—	no source read
Other fees
None disclosed	$0Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Oct 4, 2026	—	Website
Over limit	$0Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Oct 4, 2026	—	Website
Purchase transaction	$0Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Oct 4, 2026	—	Website
Opening conditions	Residents of Maricopa County, AZ or the city of Tucson, AZConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Oct 4, 2026	—	Website

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.

SUNWEST
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 2
“None”
No public source address
SUNWEST
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 2
“$5.00”
No public source address

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 Oct 4, 2026 · record cfpb:tccp:v2:2025-12-31:sunwest-federal-credit-union:sunwest-mastercard:ce958437e157a532c2039e63c5f0716c9b98669f86cfdf9ea616122a92196b28
Fields: Balance Transfer Offered?
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Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Oct 4, 2026 · record cfpb:tccp:v2:2025-12-31:sunwest-federal-credit-union:sunwest-mastercard:ce958437e157a532c2039e63c5f0716c9b98669f86cfdf9ea616122a92196b28
Fields: Advance APR max, Advance APR median, Advance APR min, Cash Advance APR Offered?, Index, Purchase APR Index
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Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Oct 4, 2026 · record cfpb:tccp:v2:2025-12-31:sunwest-federal-credit-union:sunwest-mastercard:ce958437e157a532c2039e63c5f0716c9b98669f86cfdf9ea616122a92196b28
Fields: Introductory APR Offered?
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Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Oct 4, 2026 · record cfpb:tccp:v2:2025-12-31:sunwest-federal-credit-union:sunwest-mastercard:ce958437e157a532c2039e63c5f0716c9b98669f86cfdf9ea616122a92196b28
Fields: Purchase APR Offered?
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Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Oct 4, 2026 · record cfpb:tccp:v2:2025-12-31:sunwest-federal-credit-union:sunwest-mastercard:ce958437e157a532c2039e63c5f0716c9b98669f86cfdf9ea616122a92196b28
Fields: Balance Transfer Fee ($), Balance Transfer Fee (%), Balance Transfer Fee Calculation, Balance Transfer Fee Types, Balance Transfer Fees?, Minimum Balance Transfer Fee Amount
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Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Oct 4, 2026 · record cfpb:tccp:v2:2025-12-31:sunwest-federal-credit-union:sunwest-mastercard:ce958437e157a532c2039e63c5f0716c9b98669f86cfdf9ea616122a92196b28
Fields: Cash Advance Fee ($), Cash Advance Fee (%), Cash Advance Fee Calculation, Cash Advance Fee Types, Cash Advance Fees?, Minimum Cash Advance Fee Amount
Read exact source ↗
Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Oct 4, 2026 · record cfpb:tccp:v2:2025-12-31:sunwest-federal-credit-union:sunwest-mastercard:ce958437e157a532c2039e63c5f0716c9b98669f86cfdf9ea616122a92196b28
Fields: Foreign Transaction Fee ($), Foreign Transaction Fee (%), Foreign Transaction Fee Calculation, Foreign Transaction Fees Types, Foreign Transaction Fees?, Minimum Foreign Transaction Fee Amount
Read exact source ↗
Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Oct 4, 2026 · record cfpb:tccp:v2:2025-12-31:sunwest-federal-credit-union:sunwest-mastercard:ce958437e157a532c2039e63c5f0716c9b98669f86cfdf9ea616122a92196b28
Fields: Late Fee Six Month Billing Cycle
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Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Oct 4, 2026 · record cfpb:tccp:v2:2025-12-31:sunwest-federal-credit-union:sunwest-mastercard:ce958437e157a532c2039e63c5f0716c9b98669f86cfdf9ea616122a92196b28
Fields: Additional Fees, Other Fees
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Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Oct 4, 2026 · record cfpb:tccp:v2:2025-12-31:sunwest-federal-credit-union:sunwest-mastercard:ce958437e157a532c2039e63c5f0716c9b98669f86cfdf9ea616122a92196b28
Fields: Over Limit Fee ($), Over Limit Fee Types, Over Limit Fees?, Overlimit Fee Detail
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Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Oct 4, 2026 · record cfpb:tccp:v2:2025-12-31:sunwest-federal-credit-union:sunwest-mastercard:ce958437e157a532c2039e63c5f0716c9b98669f86cfdf9ea616122a92196b28
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 Oct 4, 2026 · record cfpb:tccp:v2:2025-12-31:sunwest-federal-credit-union:sunwest-mastercard:ce958437e157a532c2039e63c5f0716c9b98669f86cfdf9ea616122a92196b28
Fields: Geographic Restrictions, Requirements for Opening, Requirements for Opening Types
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Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Oct 4, 2026 · record cfpb:tccp:v2:2025-12-31:sunwest-federal-credit-union:sunwest-mastercard:ce958437e157a532c2039e63c5f0716c9b98669f86cfdf9ea616122a92196b28
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
Read exact source ↗

CFPB Good (620–719) and Great (720+) definitions ↗

History

dates on sources or when they were captured

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

Offered through: Sunwest Credit Union
Legal issuer: Not established by retained evidence
Regulator: NCUA charter 2226
Branches: 7 in AZ
Sources: Government dataset · 0 documents · 0 pages cited

Documents

No republished document is bound to this product. See the sources above for the evidence behind these terms.

MASTERCARD CREDIT CARDSunwest Credit Union · federal credit union, AZ · NCUA 2226

Rates and fees