Side-by-side review
Compare terms without losing the source.
Add cards by their address. Each column is the same disclosure the product page shows, in the same order, with the same links to the document each value was read from.
SMW Financial Credit Union
| Term | Value | Source |
|---|---|---|
| APR for purchases | 12.99%–18%SMW FINANCIAL · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | Website |
| APR for balance transfers | — | |
| APR for cash advances | 18%SMW FINANCIAL · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | Website |
| Penalty APRafter a late or returned payment | — | |
| Paying interestgrace period on new purchases | — | |
| Annual fee | No annual feeSMW FINANCIAL · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | Website |
| Transaction fees | ||
| Cash advance | — | |
| Balance transfer | — | |
| Foreign transaction | — | |
| Penalty fees | ||
| Late payment | — | |
| Returned payment | — | |
| APR qualificationsCash advance · Regular | Annual percentage rate for cash advances: 18.00%SMW FINANCIAL · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | Website |
| APR qualificationsPurchase · Regular | Annual percentage rate (APR) for purchases: 12.99% to 18.00% when you open your account (based on your creditworthiness)SMW FINANCIAL · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | Website |
| Cash back | 1% cash back. Payment timing is not disclosed. 1% cash back on purchases (net), shown on monthly statement, credited quarterly. SMW FINANCIAL · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | Website |
| Cash back | 1% cash back. Payment timing is not disclosed. 1% Cash Back on purchasesSMW FINANCIAL · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | Website |