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

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Certified Credit Union

Product terms with exact source passages
TermValueSource
APR for purchases8.90%–17.90%CERTIFIED · Page Capture Oct 15, 2026 · Captured Oct 15, 2026Website
APR for balance transfersintroductory rate first
Introductory, 6 billing cycles0%CERTIFIED · Page Capture Oct 15, 2026 · Captured Oct 15, 2026Website
After8.90%–17.90%CERTIFIED · Page Capture Oct 15, 2026 · Captured Oct 15, 2026Website
APR for cash advances8.90%–17.90%CERTIFIED · Page Capture Oct 15, 2026 · Captured Oct 15, 2026Website
Penalty APRafter a late or returned payment—
Paying interestgrace period on new purchases—
Minimum interest charge$0.50CERTIFIED · Page Capture Oct 15, 2026 · Captured Oct 15, 2026Website
Annual feeNONECERTIFIED · Page Capture Oct 15, 2026 · Captured Oct 15, 2026Website
Transaction fees
Cash advance2% of the amount, minimum $5, maximum $50, 2% charged on all cash advances (minimum $5.00, maximum $50.00) and $5.00CERTIFIED · Page Capture Oct 15, 2026 · Captured Oct 15, 2026Website
Balance transfer3% of the amount, minimum $5, 3% charged for all Balance Transfers with a minimum of $5.00CERTIFIED · Page Capture Oct 15, 2026 · Captured Oct 15, 2026Website
Foreign transaction1% of the amount, 1% of international transaction requiring currency conversionCERTIFIED · Page Capture Oct 15, 2026 · Captured Oct 15, 2026Website
Penalty fees
Late payment—
Returned payment$23, $23.00CERTIFIED · Page Capture Oct 15, 2026 · Captured Oct 15, 2026Website
Other APRsoutside the standard boxes17.90%CERTIFIED · Page Capture Oct 15, 2026 · Captured Oct 15, 2026Website
APR qualificationsBalance transfer · IntroductoryPromotional APR of 0% APR is through the first 6 billing cycles from account opening. If any balance is remaining after the promotional period, the APR will revert to your standard non-variable Visa interest rate. 0% balance transfer offer is eligible for CFCU cardholders, when balances are transferred from other institutions.CERTIFIED · Page Capture Oct 15, 2026 · Captured Oct 15, 2026Website
APR qualificationsBalance transfer · Regular; Cash advance · Regular; Purchase · Regularbased on credit worthinessCERTIFIED · Page Capture Oct 15, 2026 · Captured Oct 15, 2026Website
APR qualificationsPenalty · Regular This penalty APR may be applied to your account if you make a late payment.CERTIFIED · Page Capture Oct 15, 2026 · Captured Oct 15, 2026Website