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No APR effective date is assigned. 12.40% – 18.00% APR* ","sources":[{"snapshotId":"51740","sourceKind":"official_issuer","publisherName":"QUORUM","capturedAt":"2026-10-14T02:07:24.562Z","effectiveOn":"2026-10-14","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.quorumfcu.org/loans/credit-cards","passageId":"366a0c55b9591f76d46d6063604e2db2","pageNumber":null,"quote":"12.40% – 18.00% APR*","recordId":"official-issuer:page:url:2822581ff87019b6541d009d1c6a8bd47c629dcffda7d8df3fd7a9ca08db94d1","recordFields":[],"fieldKey":"withheld:card_apr:unparsed-108"}]},{"observationKind":"card_offer","fieldKey":"disclosure:grace_period:purchase:page:1","reason":"unparsed_value","detail":"This agreement passage is retained verbatim. The pricing interpretation does not replace the complete card-terms declaration.","sources":[{"snapshotId":"49514","sourceKind":"official_issuer","publisherName":"QUORUM","capturedAt":"2026-08-23T23:26:06.602Z","effectiveOn":"2026-08-23","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":null,"passageId":"d810f64d57855afea0eb1bd214d1472d","pageNumber":1,"quote":"Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month.","recordId":null,"recordFields":[],"fieldKey":"withheld:card_offer:disclosure:grace_period:purchase:page:1"}]}],"balanceTransferTerms":[],"loanTerms":null,"loanRateTiers":[],"rateDiscounts":[],"loanWithholdings":[]}],"documents":[]}}