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PFCU Credit Union
| Term | Value | Source |
|---|---|---|
| APR for purchases | — | |
| APR for balance transfers | — | |
| APR for cash advances | — | |
| Penalty APRafter a late or returned payment | — | |
| Paying interestgrace period on new purchases | — | |
| Annual fee | No Annual Fee and No Balance Transfer FeePFCU · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | Website |
| Transaction fees | ||
| Cash advance | 3% of the amount, minimum $10, maximum $150PFCU · Page Capture Aug 23, 2026 · Captured Aug 23, 2026 | p. 1 |
| Balance transfer | $0, No Annual Fee and No Balance Transfer FeePFCU · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | Website |
| Foreign transaction | — | |
| Penalty fees | ||
| Late payment | — | |
| Returned payment | — | |
| RewardsNot disclosed | 1 point per $1. See source conditions for eligible purchases.PFCU · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | Website |
| Rewards conditionsRewards | Point posting timing is not disclosed. Points expire 5 years from the december 31st upon the end of calendar year five. Redemption options: cash back, travel credit. Earn 1 reward point for every $1 spentPFCU · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | Website |
| Rewards source conditionsRewards | Redeem points for cash back, travel credit and morePFCU · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | Website |
| Rewards source conditionsRewards | Points, once earned, are valid for up to 60 months and will expire after December 31st upon the end of calendar year five.PFCU · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | Website |