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Banking RegistryReal data. Clear answers.
Banking RegistryReal data. Clear answers.

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Long Reach Credit Union

Product terms with exact source passages
TermValueSource
APR for purchasesintroductory rate first
IntroductoryNoneConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Aug 31, 2026Website
10.90%Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Aug 31, 2026Website
APR for balance transfersNoneConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Aug 31, 2026Website
APR for cash advances10.90%Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Aug 31, 2026Website
Penalty APRafter a late or returned payment—
Paying interestgrace period on new purchases30 days from the close of each billing cycle—
Minimum interest charge$0.50—
How we calculate your balanceAverage daily balance including new purchases—
Annual fee$0Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Aug 31, 2026Website
Transaction fees
Cash advance$0Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Aug 31, 2026Website
Balance transfer$0Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Aug 31, 2026Website
Foreign transaction$0Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Aug 31, 2026Website
Penalty fees
First late fee$15Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Aug 31, 2026Website
Returned payment—
Other fees
Returned Payment Fee$15, For all ACH returned payments made to the Master Card.Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Aug 31, 2026Website
Emergency Card Replacement Fee$25, When a card has to be rushed delivered for emergency purposes.Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Aug 31, 2026Website
Over limit$0Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Aug 31, 2026Website
Purchase transaction$0Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Aug 31, 2026Website
Opening conditionsHas to be a member of our credit union, live, work or worship in our 4 Counties. Tyler, Ritchie, Dodridge, Pleasants CountyConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Aug 31, 2026Website