United Savings Credit UnionVARIABLE RATERegistry illustration · issuer artwork unavailable
VARIABLE RATEUnited Savings Credit Union · state credit union, MN · NCUA 65578
CurrentLast observed Sep 6, 2026Source date Dec 31, 2025Government datasetCredit card · Consumer · unsecured
Balance transfer
—
Grace period
25 days
from cycle close
Rates and fees
| 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 12.75%Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026 | — | Website |
| Good credit | median 15.25%Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026 | — | Website |
| Poor credit | median 19.25%Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026 | — | Website |
| No credit score | median 17.25%Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026 | — | Website |
| All applicants | 12.25%–21.25% variableConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026 | — | Website |
| APR for balance transfers | NoneConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026 | — | Website |
| APR for cash advances | |||
| Great credit | median 12.75%Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026 | — | Website |
| Good credit | median 15.25%Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026 | — | Website |
| Poor credit | median 19.25%Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026 | — | Website |
| No credit score | median 17.25%Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026 | — | Website |
| All applicants | 12.25%–21.25% variableConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 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 | $0Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026 | — | Website |
| Transaction fees | |||
| Cash advance | $0Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026 | — | Website |
| Balance transfer | $0Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026 | — | Website |
| Foreign transaction | 1% 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 | — | no source read | |
| Other fees | |||
| CARD REPLACEMENT FEE | $10, If Your Account is subject to a Card Replacement Fee, a fee may be charged for each replacement Card that issued to You for any reason.Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026 | — | Website |
| Document Copy Fee | $12, If Your Account is subject to a Document Copy Fee, except as limited by applicable law, a fee may be charged to Your Account for each copy of a sales draft or statement that You request (except when the request is made in connection with a billing error mConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026 | — | Website |
| Pay-by-Phone Fee | $5, If Your Account is subject to the Pay-by-Phone Fee, except as limited by applicable law, a fee will be charged for each time You make a payment by telephone as disclosed on Disclosure.Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026 | — | Website |
| Rush fee | $20, If Your Account is subject to a Rush Fee, except as limited by applicable law, a fee may be charged to Your Account for each rush Card that You request, providing that delivery of the Card is also available by standard mail service, without paying a fee fConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026 | — | Website |
| Returned Payment Fee | $28, 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.Consumer 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 |
| Opening conditions | within a 75 mile radius of 1001 1st Ave N Fargo, ND 58102Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026 | — | Website |