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Banking RegistryReal data. Clear answers.
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Pacific Service Credit Union

Product terms with exact source passages
TermValueSource
APR for purchases10.75%–15.75% variablePACIFIC SERVICE · Page Capture Oct 14, 2026 · Captured Oct 14, 2026Website
APR for balance transfers—
APR for cash advances10.75%–15.75% variablePACIFIC SERVICE · Page Capture Oct 14, 2026 · Captured Oct 14, 2026Website
Penalty APRafter a late or returned payment—
Paying interestgrace period on new purchases—
Annual feeNo annual, balance transfer, foreign transaction or cash advance fees—and the same low rate on purchases and cash advances. Redeem points for travel, merchandise, gift cards or cash back, and enjoy rewards that never expire.PACIFIC SERVICE · Page Capture Oct 14, 2026 · Captured Oct 14, 2026Website
Transaction fees
Cash advance$0, No annual, balance transfer, foreign transaction or cash advance fees—and the same low rate on purchases and cash advances. Redeem points for travel, merchandise, gift cards or cash back, and enjoy rewards that never expire.PACIFIC SERVICE · Page Capture Oct 14, 2026 · Captured Oct 14, 2026Website
Balance transfer$0, No annual, balance transfer, foreign transaction or cash advance fees—and the same low rate on purchases and cash advances. Redeem points for travel, merchandise, gift cards or cash back, and enjoy rewards that never expire.PACIFIC SERVICE · Page Capture Oct 14, 2026 · Captured Oct 14, 2026Website
Foreign transaction$0, No annual, balance transfer, foreign transaction or cash advance fees—and the same low rate on purchases and cash advances. Redeem points for travel, merchandise, gift cards or cash back, and enjoy rewards that never expire.PACIFIC SERVICE · Page Capture Oct 14, 2026 · Captured Oct 14, 2026Website
Penalty fees
Late payment—
Returned payment—
APR qualificationsCash advance · Regular; Purchase · Regular APR is variable and ranges between 10.75% and 15.75% and is based on creditworthiness at the time of application. After that, the rate will vary with the market based on the Prime Rate. Cash advances and balance transfers do not qualify to earn reward points. Use of points is subject to PACIFIC SERVICE · Page Capture Oct 14, 2026 · Captured Oct 14, 2026Website