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Intouch Credit Union

Product terms with exact source passages
TermValueSource
APR for purchases—
APR for balance transfersintroductory rate first
Introductory, 6 months0%INTOUCH · Page Capture Oct 13, 2026 · Captured Oct 13, 2026Website
After10.75%–17.75% variableINTOUCH · Page Capture Oct 13, 2026 · Captured Oct 13, 2026Website
APR for cash advances—
Penalty APRafter a late or returned payment—
Paying interestgrace period on new purchases—
Annual feeConnect 1.75 rewards points for every $1 spent and also enjoy no annual fee.INTOUCH · Page Capture Oct 14, 2026 · Captured Oct 14, 2026Website
Transaction fees
Cash advance—
Balance transfer—
Foreign transaction—
Penalty fees
Late payment—
Returned payment—
APR qualificationsBalance transfer · Introductory for 6 Months Balance Transfer SpecialINTOUCH · Page Capture Oct 13, 2026 · Captured Oct 13, 2026Website
APR qualificationsBalance transfer · RegularAfter introductory period expires, a variable APR rate of 10.75% - 17.75% will apply, based on creditworthiness. Balance Transfer INTOUCH · Page Capture Oct 13, 2026 · Captured Oct 13, 2026Website
Purchase rewardsNot disclosed1.75 points per $1. See source conditions for eligible purchases.INTOUCH · Page Capture Oct 13, 2026 · Captured Oct 13, 2026Website
Purchase rewardsNot disclosed1.75 points per $1. See source conditions for eligible purchases.INTOUCH · Page Capture Oct 14, 2026 · Captured Oct 14, 2026Website
Rewards conditionsPurchase rewardsPoint posting timing is not disclosed. Point expiration is not disclosed. Point redemption options are not disclosed. cardholders earning 1.75 points per $1 spentINTOUCH · Page Capture Oct 13, 2026 · Captured Oct 13, 2026Website
Rewards source conditionsPurchase rewardsPlease note that you must enroll in uChoose Rewards to earn pointsINTOUCH · Page Capture Oct 13, 2026 · Captured Oct 13, 2026Website
Rewards source conditionsPurchase rewardsTo earn points, cards must be enrolled in uChoose Rewards and expenses must be paid using either an ITCU debit or rewards credit card. (Electronic payments paid through a checking account do not qualify.)INTOUCH · Page Capture Oct 13, 2026 · Captured Oct 13, 2026Website
Rewards conditionsPurchase rewardsPoint posting timing is not disclosed. Point expiration is not disclosed. Point redemption options are not disclosed. Connect 1.75 rewards points for every $1 spent and also enjoy no annual fee.INTOUCH · Page Capture Oct 14, 2026 · Captured Oct 14, 2026Website