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Park City 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
Great creditmedian 11%Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Aug 31, 2026Website
Good creditmedian 13%Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Aug 31, 2026Website
Poor creditmedian 18%Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Aug 31, 2026Website
No credit scoremedian 13%Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Aug 31, 2026Website
All applicants11%–18% variableConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Aug 31, 2026Website
APR for balance transfersintroductory rate first0% variableConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Aug 31, 2026Website
APR for cash advances
Great creditmedian 11%Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Aug 31, 2026Website
Good creditmedian 13%Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Aug 31, 2026Website
Poor creditmedian 18%Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Aug 31, 2026Website
No credit scoremedian 13%Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Aug 31, 2026Website
All applicants11%–18% variableConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Aug 31, 2026Website
Penalty APRafter a late or returned payment—
Paying interestgrace period on new purchases28 days from the close of each billing cycle—
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$10.00 or 5.00% of the amount of each cash advance, whichever is greater.Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Aug 31, 2026Website
Balance transfer4% of the amountConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Aug 31, 2026Website
Foreign transaction1% of the amountConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Aug 31, 2026Website
Penalty fees
First late fee$25.00 or the amount of the required minimum payment, whichever is less, if you are five or more days late in making a payment.Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Aug 31, 2026Website
Returned payment—
Other fees
Card Replacement Fee$10, If the card is lost or intentionally destroyed we will charge a replacement fee.Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Aug 31, 2026Website
Emergency Card Replacement Fee$60, If the card is lost or intentionally destroyed and they request an emergency replacement card, we will charge an emergency replacement fee.Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Aug 31, 2026Website
PIN Replacement Fee$5, When the PIN needs to be reset and mailed to them, we will charge this fee.Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Aug 31, 2026Website
Rush Fee$35, If they request a rush order on the replacement card, we will charge the fee.Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Aug 31, 2026Website
Document Copy Fee$1, If they need us to print a copy of their statement that was previously sent to them, we will charge a $1 fee per page.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
Balance transfer termsYesConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Aug 31, 2026Website
Opening conditionsGeographic qualifications are if they (or an immediate family member) live, work or own land in the following Wisconsin counties: Lincoln, Marathon, Oneida, Iron, Price, Vilas, Taylor, Forest, Rusk, Langlade, Wood or Portage.Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Aug 31, 2026Website
Opening conditionsOther qualification if they do not meet the geographic qualification is if they become or are a member of the Park City Cares Foundation they then qualify for membership and can open the account.Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Aug 31, 2026Website