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Banking RegistryReal data. Clear answers.

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First American Credit Union

Product terms with exact source passages
TermValueSource
APR for purchasesintroductory rate first
Introductory, reported median duration 12 monthsmedian 3.99%Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026Website
Introductory, reported median duration 12 monthsmedian 9.99%Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026Website
Introductory, reported median duration 12 monthsmedian 17.49%Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026Website
Introductory, reported median duration 12 months3.99%–18.99%Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026Website
Great creditmedian 7.49%Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026Website
Good creditmedian 9.99%Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026Website
Poor creditmedian 17.49%Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026Website
All applicants3.99%–18.99%Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026Website
APR for balance transfersintroductory rate first
Introductory, reported median duration 12 monthsmedian 7.49%Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026Website
Introductory, reported median duration 12 monthsmedian 9.99%Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026Website
Introductory, reported median duration 12 monthsmedian 18.99%Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026Website
Introductory, reported median duration 12 months3.99%–18.99%Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026Website
APR for cash advances
Great creditmedian 10.99%Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026Website
Good creditmedian 10.99%Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026Website
Poor creditmedian 18.99%Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026Website
All applicants10.99%–18.99%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 purchases25 days from the close of each billing cycle—
How we calculate your balanceAverage daily balance including new purchases—
Annual fee$25Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026Website
Transaction fees
Cash advance$0Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026Website
Balance transfer$5Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026Website
Foreign transaction1% of the amountConsumer 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
Repeat late fee within six billing cycles$25Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026Website
Returned payment—
Other fees
Returned Payment Fee$20, Fee is charged if when the payment is returned as non-collectable.Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026Website
Expedited Pay-by-Phone Fee$5, Fee is charged when a member needs to pay their credit card 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 termsYesConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026Website
Opening conditionsPersons living or working in Pinal County AZ. Persons living on and persons working on Tribal Lands in AZ or NM.Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026Website
Opening conditionsU.S. Government Employees living or working in AZ or NM.Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026Website