Skip to content
Banking RegistryReal data. Clear answers.
Banking RegistryReal data. Clear answers.

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.

Clear
VARIABLE RATERemove

United Savings Credit Union

Product terms with exact source passages
TermValueSource
APR for purchasesintroductory rate first
IntroductoryNoneConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026Website
Great creditmedian 12.75%Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026Website
Good creditmedian 15.25%Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026Website
Poor creditmedian 19.25%Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026Website
No credit scoremedian 17.25%Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026Website
All applicants12.25%–21.25% variableConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026Website
APR for balance transfersNoneConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026Website
APR for cash advances
Great creditmedian 12.75%Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026Website
Good creditmedian 15.25%Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026Website
Poor creditmedian 19.25%Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026Website
No credit scoremedian 17.25%Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026Website
All applicants12.25%–21.25% variableConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 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 fee$0Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026Website
Transaction fees
Cash advance$0Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026Website
Balance transfer$0Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026Website
Foreign transaction1% of the amountConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026Website
Penalty fees
First late fee$25Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026Website
Returned payment—
Other fees
CARD REPLACEMENT FEE$10, If Your Account is subject to a Card Replacement Fee, a fee may be charged for each replacement Card that issued to You for any reason.Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026Website
Document Copy Fee$12, If Your Account is subject to a Document Copy Fee, except as limited by applicable law, a fee may be charged to Your Account for each copy of a sales draft or statement that You request (except when the request is made in connection with a billing error mConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026Website
Pay-by-Phone Fee$5, If Your Account is subject to the Pay-by-Phone Fee, except as limited by applicable law, a fee will be charged for each time You make a payment by telephone as disclosed on Disclosure.Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026Website
Rush fee$20, If Your Account is subject to a Rush Fee, except as limited by applicable law, a fee may be charged to Your Account for each rush Card that You request, providing that delivery of the Card is also available by standard mail service, without paying a fee fConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026Website
Returned Payment Fee$28, If Your Account is subject to a Returned Payment Fee, the fee will be charged to Your Account when a payment is returned for any reason.Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026Website
Over limit$0Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026Website
Purchase transaction$0Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026Website
Opening conditionswithin a 75 mile radius of 1001 1st Ave N Fargo, ND 58102Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026Website