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Southwest 66 Credit Union
| Term | Value | Source |
|---|---|---|
| APR for purchasesintroductory rate first | ||
| Introductory | NoneConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026 | Website |
| Great credit | median 13.87%Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026 | Website |
| Good credit | median 16.68%Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026 | Website |
| Poor credit | median 18%Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026 | Website |
| All applicants | 13.49%–18% variableConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026 | Website |
| All applicants | Not disclosedConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026 | Website |
| All applicants | 14.49% variableConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026 | Website |
| All applicants | 15.49% variableConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026 | Website |
| All applicants | 18% variableConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026 | Website |
| APR for balance transfers | NoneConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026 | Website |
| APR for cash advances | ||
| Great credit | median 13.87%Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026 | Website |
| Good credit | median 16.68%Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026 | Website |
| Poor credit | median 18%Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026 | Website |
| All applicants | 13.49%–18% variableConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026 | Website |
| Penalty APRafter a late or returned payment | — | |
| Paying interestgrace period on new purchases | 25 days from the close of each billing cycle | — |
| How we calculate your balance | Average daily balance including new purchases | — |
| Annual fee | $0Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026 | Website |
| Transaction fees | ||
| Cash advance | $0Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026 | Website |
| Balance transfer | 2% of the amount, minimum $30Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026 | Website |
| Foreign transaction | 1% of the amountConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026 | Website |
| Penalty fees | ||
| First late fee | Up to 5% of the minimum payment due not to exceed $25.00Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026 | Website |
| Returned payment | — | |
| Other fees | ||
| Return Payment Fee | $25, If a payment is returnedConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026 | Website |
| Over limit | $0Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026 | Website |
| Purchase transaction | $0Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026 | Website |
| Opening conditions | Southwest 66 Credit Union's Field of membership or current members. This includes primarily at least one of the following: live or work in Ector County, Texas; live or work in Midland County, Texas; or be a relative of an existing member; or a member ofConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026 | Website |