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

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Ravenswood 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
12.90%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 advances12.90%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 purchases25 days from the close of each billing cycle—
Minimum interest charge$5—
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 advance2% of the amount, minimum $5Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Aug 31, 2026Website
Balance transfer2% of the amount, minimum $5Consumer 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$28Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Aug 31, 2026Website
Returned payment—
Other fees
None disclosed$0Consumer 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 conditionsRESIDE IN JACKSON COUNTY OR WORK IN JACKSON COUNTYConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Aug 31, 2026Website