| APR for purchasesintroductory rate first |
| Introductory, 12 months | 0%JUSTICE · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | Website |
| 11.90%JUSTICE · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | Website |
| APR for balance transfersintroductory rate first |
| Introductory, 12 months | 2%JUSTICE · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | Website |
| After | 11.90%JUSTICE · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | Website |
| APR for cash advances | 11.90%JUSTICE · 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 | No Annual FeeJUSTICE · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | Website |
| Transaction fees |
| Cash advance | the greater of $10 or 2% of the amount, maximum $100, *APR = Annual Percentage Rate. Offer as of September 18, 2026. Subject to credit approval. An introductory rate of 0% on purchases and a 2% introductory rate on balance transfers and cash advances will apply for the twelve-month period immediately following the date your account is established. For Purchases 0.00% Introductory APR for 12 months (except for any cardholders who have had a JFCU Credit Card within the last 3 years, and all Share Secured VISA accountholders). Credit card subject to the following: Balance transfer fee, cash advance fee or convenience check fee: either 2.00% of the advance or $10 whichever is greater ($100 maximum), Foreign transaction fees: 1.00% of each foreign currency transaction in U.S. dollars or 1.00% of each U.S. Dollar transaction that occurs in a foreign country. Credit card has no annual fee, or transaction fee. To view the Credit Card Account Agreement
and Federal Disclosure Statement visit www.jfcu.org or see a representative for details.JUSTICE · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | Website |
| Balance transfer | the greater of $10 or 2% of the amount, maximum $100, *APR = Annual Percentage Rate. Offer as of September 18, 2026. Subject to credit approval. An introductory rate of 0% on purchases and a 2% introductory rate on balance transfers and cash advances will apply for the twelve-month period immediately following the date your account is established. For Purchases 0.00% Introductory APR for 12 months (except for any cardholders who have had a JFCU Credit Card within the last 3 years, and all Share Secured VISA accountholders). Credit card subject to the following: Balance transfer fee, cash advance fee or convenience check fee: either 2.00% of the advance or $10 whichever is greater ($100 maximum), Foreign transaction fees: 1.00% of each foreign currency transaction in U.S. dollars or 1.00% of each U.S. Dollar transaction that occurs in a foreign country. Credit card has no annual fee, or transaction fee. To view the Credit Card Account Agreement
and Federal Disclosure Statement visit www.jfcu.org or see a representative for details.JUSTICE · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | Website |
| Foreign transaction | 1% of the amount, *APR = Annual Percentage Rate. Offer as of September 18, 2026. Subject to credit approval. An introductory rate of 0% on purchases and a 2% introductory rate on balance transfers and cash advances will apply for the twelve-month period immediately following the date your account is established. For Purchases 0.00% Introductory APR for 12 months (except for any cardholders who have had a JFCU Credit Card within the last 3 years, and all Share Secured VISA accountholders). Credit card subject to the following: Balance transfer fee, cash advance fee or convenience check fee: either 2.00% of the advance or $10 whichever is greater ($100 maximum), Foreign transaction fees: 1.00% of each foreign currency transaction in U.S. dollars or 1.00% of each U.S. Dollar transaction that occurs in a foreign country. Credit card has no annual fee, or transaction fee. To view the Credit Card Account Agreement
and Federal Disclosure Statement visit www.jfcu.org or see a representative for details.JUSTICE · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | Website |
| Penalty fees |
| Late payment | — | |
| Returned payment | — | |
| Other APRsoutside the standard boxes | 2%JUSTICE · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | Website |
| APR qualificationsBalance transfer · Introductory; Cash advance · Introductory; Purchase · Introductory | *APR = Annual Percentage Rate. Offer as of September 18, 2026. Subject to credit approval. An introductory rate of 0% on purchases and a 2% introductory rate on balance transfers and cash advances will apply for the twelve-month period immediately following the date your account is established. For Purchases 0.00% Introductory APR for 12 months (except for any cardholders who have had a JFCU Credit Card within the last 3 years, and all Share Secured VISA accountholders). Credit card subject to the following: Balance transfer fee, cash advance fee or convenience check fee: either 2.00% of the advance or $10 whichever is greater ($100 maximum), Foreign transaction fees: 1.00% of each foreign currency transaction in U.S. dollars or 1.00% of each U.S. Dollar transaction that occurs in a foreign country. Credit card has no annual fee, or transaction fee. To view the Credit Card Account Agreement
and Federal Disclosure Statement visit www.jfcu.org or see a representative for details.
JUSTICE · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | Website |
| APR qualificationsBalance transfer · Regular; Cash advance · Regular; Purchase · Regular | 11.90% Low, non-variable APR* after 12-monthsJUSTICE · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | Website |
