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Sunwest Credit Union

Product terms with exact source passages
TermValueSource
APR for purchasesintroductory rate first
IntroductoryNoneConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Oct 4, 2026Website
NoneConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Oct 4, 2026Website
APR for balance transfersNoneConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Oct 4, 2026Website
APR for cash advances7.90%Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Oct 4, 2026Website
Penalty APRafter a late or returned payment—
Paying interestgrace period on new purchases25 days from the close of each billing cycle—
How we calculate your balanceAverage daily balance including new purchases—
Annual feeNo annual feeSUNWEST · Page Capture Oct 14, 2026 · Captured Oct 14, 2026Website
Transaction fees
Cash advance$2Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Oct 4, 2026Website
Balance transfer$0Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Oct 4, 2026Website
Foreign transaction1.10% of the amountConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Oct 4, 2026Website
Penalty fees
First late fee$5Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Oct 4, 2026Website
Repeat late fee within six billing cycles$5Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Oct 4, 2026Website
Returned payment—
Other fees
None disclosed$0Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Oct 4, 2026Website
Over limit$0Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Oct 4, 2026Website
Purchase transaction$0Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Oct 4, 2026Website
Opening conditionsResidents of Maricopa County, AZ or the city of Tucson, AZConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Oct 4, 2026Website
Opening conditionsThe Secured Card requires a minimum $500 deposit with no additional fees.SUNWEST · Page Capture Oct 14, 2026 · Captured Oct 14, 2026Website