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Directions Credit Union
| Term | Value | Source |
|---|---|---|
| APR for purchases | — | |
| APR for balance transfers | — | |
| APR for cash advances | — | |
| Penalty APRafter a late or returned payment | — | |
| Paying interestgrace period on new purchases | — | |
| Annual fee | NoDIRECTIONS · Page Capture Oct 15, 2026 · Captured Oct 15, 2026 | Website |
| Transaction fees | ||
| Cash advance | $0, NoneDIRECTIONS · Page Capture Oct 15, 2026 · Captured Oct 15, 2026 | Website |
| Balance transfer | $0, NoneDIRECTIONS · Page Capture Oct 15, 2026 · Captured Oct 15, 2026 | Website |
| Foreign transaction | 1% of the amount, 1% feeDIRECTIONS · Page Capture Oct 15, 2026 · Captured Oct 15, 2026 | Website |
| Penalty fees | ||
| Late payment | $25, $25DIRECTIONS · Page Capture Oct 15, 2026 · Captured Oct 15, 2026 | Website |
| Returned payment | $25, $25DIRECTIONS · Page Capture Oct 15, 2026 · Captured Oct 15, 2026 | Website |
| Cash back | 1.50% cash back. Payment timing is not disclosed. The Directions VISA Cash Back Credit Card earns unlimited 1.5% cash back on every purchase. Members can enjoy the freedom to redeem their cash back on demand or set up automatic recurring rebates.DIRECTIONS · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | Website |
| Cash back | 1.50% cash back. Payment timing is not disclosed. Earn unlimited 1.5% Cash Back on all purchases with a low fixed rate.DIRECTIONS · Page Capture Oct 15, 2026 · Captured Oct 15, 2026 | Website |
| Cash back | 1.50% cash back. Payment timing is not disclosed. Earn unlimited 1.5% Cash Back on all purchases with a low fixed rate.DIRECTIONS · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | Website |
| Cash signup bonus | $50 cash award. After $3,000 in qualifying purchases. Purchases must qualify within 90 days of account opening. Payment timing is not disclosed. $50 cash bonus when $3,000 purchased in the first 90 daysDIRECTIONS · Page Capture Oct 15, 2026 · Captured Oct 15, 2026 | Website |
| Cash signup bonus | $50 cash award. After $3,000 in qualifying purchases. Purchases must qualify within 90 days of account opening. Payment timing is not disclosed. $50 cash bonus when $3,000 purchased in the first 90 daysDIRECTIONS · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | Website |