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Banking RegistryReal data. Clear answers.
Banking RegistryReal data. Clear answers.

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Federal Credit Union VISA CardRemove

Altonized Community Credit Union

Product terms with exact source passages
TermValueSource
APR for purchasesintroductory rate first
Introductory, reported median duration 6 months2.90%Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026Website
NoneConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026Website
APR for balance transfersintroductory rate first2.90%Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026Website
APR for cash advances9.90%Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026Website
Penalty APRafter a late or returned payment—
Paying interestgrace period on new purchasesNot offered from the close of each billing cycle—
How we calculate your balanceAverage daily balance including new purchases—
Annual fee$0Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026Website
Transaction fees
Cash advance$1.50, Fee only applies when card is used at an ATM Machine. No fee for doing a cash advance at a POS terminal in credit unionConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026Website
Balance transfer$0Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026Website
Foreign transaction1.00% of each multiple currency transaction in US Dollars 0.80% of each single currency transaction in US DollarsConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026Website
Penalty fees
First late fee$25Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026Website
Returned payment—
Other fees
Pay by Phone Fee$10, Charged when member contacts VISA/FIS to make their payment over the phone.Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026Website
Over limit$0Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026Website
Purchase transaction$0Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026Website
Balance transfer termsNoConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026Website
Opening conditionsOur members must live, work, worship or attend school in Madison or Macoupin Counties in Illinois. We are a community charterConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026Website