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I.L.W.U. Credit Union
| Term | Value | Source |
|---|---|---|
| APR for purchasesintroductory rate first | ||
| Introductory, 12 billing cycles | 2.95%–8.95%I.L.W.U. · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | Website |
| 9.95%–15.95% variableI.L.W.U. · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | Website | |
| APR for balance transfersintroductory rate first | ||
| Introductory, 12 billing cycles | 2.95%–8.95%I.L.W.U. · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | Website |
| After | 9.95%–15.95% variableI.L.W.U. · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | Website |
| APR for cash advances | 12%–18%I.L.W.U. · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | Website |
| Penalty APRafter a late or returned payment | — | |
| Paying interestgrace period on new purchases | — | |
| Annual fee | — | |
| Transaction fees | ||
| Cash advance | — | |
| Balance transfer | — | |
| Foreign transaction | — | |
| Penalty fees | ||
| Late payment | — | |
| Returned payment | — | |
| APR qualificationsBalance transfer · Introductory; Balance transfer · Regular; Cash advance · Regular; Purchase · Introductory; Purchase · Regular | Low introductory rate as low as 2.95% APR for 12 months on purchases and balance transfers (with a standard variable rate of 11.45% to 17.95% APR after that for the Platinum CARGO Rewards Visa and 9.95% to 15.95% APR on the Platinum Visa). Your actual rate and credit line will be determined by your individual credit profile and ability to repay. Cash advance rates range from 13.45% APR - 17.95% APR for the Platinum CARGO Rewards Visa and 12.00% to 18.00% APR on the Platinum Visa. Balance transfers and purchases will accrue interest at your approved Intro rate for twelve billing cycles from the Visa® open date. Any existing balances on ILWU Credit Union loan and/or credit card accounts are not eligible for the Introductory APR for balance transfers. All loans subject to approval. Rates are subject to change. See I.L.W.U. · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | Website |