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Credit Card Rate Disclosures and Application

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You can open new accounts and apply for credit cards and loans securely within online and mobile banking. To get started, log in to online and mobile banking then select “Apply for a Loan” or “Add an Account.” From the app, click the menu in the lower right corner to find these links.

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You can become a TFCU member and apply for a loan through TFCU’s Online Application Center. Click below to get started.

Don’t want to apply online? We have other options. Simply visit a full-service TFCU branch or call (405) 732-0324, option 4, or 1-800-456-4828, option 4, to apply for a loan. 

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Visa Platinum
Interest Rates and Interest Charges
Annual Percentage Rate (APR)
for Purchases

3.99%

Introductory rate on purchases for six months from date of account opening; thereafter, the APR is set by your credit rating at the time of account opening.*

Rate 1 – 14.00%
Rate 2 – 15.00%
Rate 3 – 16.00%
Rate 4 – 18.00%
Rate 5 – 18.00%

Please refer to the card carrier for the APR on your account. This APR will vary with the market, based on the Prime Rate.
APR for Balance TransfersRate 1 – 14.00%
Rate 2 – 15.00%
Rate 3 – 16.00%
Rate 4 – 18.00%
Rate 5 – 18.00%
Balance transfer APR: The current program APR, which will be set by your credit rating at the time of account opening.* Please refer to the card carrier for the APR on your account. This APR will vary with the market, based on the Prime Rate.
APR for Cash AdvancesRate 1 – 14.00%
Rate 2 – 15.00%
Rate 3 – 16.00%
Rate 4 – 18.00%
Rate 5 – 18.00%
Cash advance APR: The current program APR, which will be set by your credit rating at the time of account opening.* Please refer to the card carrier for the APR on your account. This APR will vary with the market, based on the Prime Rate.
Paying InterestYour 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. We will begin charging interest on cash advances and balance transfers on the transaction date.
For Credit Card Tips from the Consumer Financial Protection BureauTo learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore
Visa Platinum Fees
Set-Up and Maintenance FeesAnnual Fee — None.
Transaction Fees
  • Balance Transfer Fee— None.
  • Cash Advance Fee — None.
  • Foreign Transaction — 1% of each transaction in U.S. dollars.
Penalty FeesLate Payment
Up to $22 – If your minimum monthly payment is not received by us on the due date on your monthly statement, we may impose a late fee of up to $22, which will be reflected on the following monthly statement.
Returned Check Fee
Up to $20 – The Credit Union may charge a return check fee for each one-party return by a bank or other depository institution of a dishonored check, negotiable order of withdrawal or share draft issued by cardholder(s) as payment on the credit card account.
Other FeesStatement Copy
$2 – The Credit Union may charge a $2.00 fee for each duplicate copy of requested monthly billing statement(s).
Ticket Copy

The Credit Union may charge for each duplicate copy of requested sales slip(s). However, if the request for a duplicate copy of a sales slip is in connection with any disputed billing matter, (see “YOUR BILLING RIGHTS” in the Cardholder Agreement and Disclosure Statement that will accompany your credit card), a fee will not be imposed.

$25 – Travel and entertainment documents
$6 – Original sales slip
$5 – Photocopy of sales slip.

Card Replacement
$13 – The Credit Union may charge for each credit card that is reissued prior to the current cards expiration date.

How We Will Calculate Your Balance: We use a method called “Average Daily Balance (including new purchases).”

*The credit score ranges are as follows: Rate 1 (740 and above) Rate 2 (700 to 739) Rate 3 (660 to 699) Rate 4 (625 to 659) Rate 5 (0 to 624).

This information is accurate as of the revision date of 10/01/2023. Information is subject to change after 10/01/2023. Contact the Card Center at (405) 732-0324, option 6, or 1-800-456-4828, option 6, for questions concerning any changes occurring after the revision date of 10/01/2023.

Visa Signature Interest Rates and Interest Charges
Annual Percentage Rate (APR) for Purchases

0.00%

Introductory rate on purchases for six months from date of account opening; thereafter, the APR is set by your credit rating at the time of account opening.*

Rate 1 – 16.00% Rate 2 – 17.00% Rate 3 – 18.00% Rate 4 – 18.00% Rate 5 – 18.00%

Please refer to the card carrier for the APR on your account. This APR will vary with the market, based on the Prime Rate.
APR for Balance Transfers 0% Introductory Rate is not available for transfers from current TFCU credit card accounts. See “Other Terms” below.

0.00%

Introductory rate on balance transfers for six months on balance transfers that occur within the first 60 days of account opening; thereafter, the APR is set by your credit rating at the time of account opening.*

Rate 1 – 18.00% Rate 2 – 18.00% Rate 3 – 18.00% Rate 4 – 18.00% Rate 5 – 18.00%

Balance transfer APR: The current program APR, which will be set by your credit rating at the time of account opening.* Please refer to the card carrier for the APR on your account. This APR will vary with the market, based on the Prime Rate.
APR for Cash AdvancesRate 1 – 18.00% Rate 2 – 18.00% Rate 3 – 18.00% Rate 4 – 18.00% Rate 5 – 18.00%
Cash advance APR: The current program APR, which will be set by your credit rating at the time of account opening.* Please refer to the card carrier for the APR on your account. This APR will vary with the market, based on the Prime Rate.
Paying InterestYour 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. We will begin charging interest on cash advances and balance transfers on the transaction date.
For Credit Card Tips from the Consumer Financial Protection BureauTo learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore
Visa Signature Fees
Set-Up and Maintenance FeesAnnual Fee — None.
Transaction Fees
  • Balance Transfer Fee — 2.50%
  • Cash Advance Fee — 2.00%
  • Foreign Transaction — 1% of each transaction in U.S. dollars.
Penalty FeesLate Payment
Up to $22 – If your minimum monthly payment is not received by us on the due date on your monthly statement, we may impose a late fee of up to $22, which will be reflected on the following monthly statement.
Returned Check Fee
Up to $20 – The Credit Union may charge a return check fee for each one-party return by a bank or other depository institution of a dishonored check, negotiable order of withdrawal or share draft issued by cardholder(s) as payment on the credit card account.
Other FeesStatement Copy
$2 – The Credit Union may charge a $2.00 fee for each duplicate copy of requested monthly billing statement(s).
Ticket Copy
The Credit Union may charge for each duplicate copy of requested sales slip(s). However, if the request for a duplicate copy of a sales slip is in connection with any disputed billing matter, (see “YOUR BILLING RIGHTS” in the Cardholder Agreement and Disclosure Statement that will accompany your credit card), a fee will not be imposed. $25 – Travel and entertainment documents $6 – Original sales slip $5 – Photocopy of sales slip.
Card Replacement
$13 – The Credit Union may charge for each credit card that is reissued prior to the current cards expiration date.

How We Will Calculate Your Balance: We use a method called “Average Daily Balance (including new purchases).” (See “INTEREST CHARGE CALCULATION METHODS” in the Cardholder Agreement and Disclosure Statement that will accompany your credit card.)

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is included in the Cardholder Agreement and Disclosure Statement that will accompany your credit card under the YOUR BILLING RIGHTS section.

*The credit score ranges are as follows: Rate 1 (740 and above) Rate 2 (700 to 739) Rate 3 (660 to 699) Rate 4 (625 to 659) Rate 5 (0 to 624).

Your account must be open to receive a Year-End Purchase Summary and to use other program benefits.

Other Terms: IMPORTANT NOTICE TO CURRENT TFCU CREDIT CARD ACCOUNT HOLDERS If you currently have a credit card issued by TFCU and you decide to apply to instead use the new VISA Signature Cash-Back credit card to be issued by TFCU, there are a number of important disclosures of terms for you to consider first before you apply.  You will not be charged the 2.50% balance transfer fee for transfers from your current TFCU-issued credit card, but you will NOT receive the promotional rate of 0% APR for 6 months. Instead, you will be required to continue to pay Prime Rate plus the percentage rates set based on your credit score at the time you opened the account on any amounts you transfer to this card.  You will also be paying an interest rate which will be the HIGHER RATES on the chart for your specific type of card on all new purchases, balance transfers, and cash advances if you do not pay off the entire outstanding balance each month before the 25-day grace period to make your payment expire each month.  You also will pay a new 2.50% balance transfer fee on all balance transfers from other lenders.  You will be paying a new 2.00% fee on all cash advances.  On your current account you do not have any fee on balance transfers or cash advances, although both do immediately begin to accrue interest, just as they will on this new account, but at the lower rates instead of the higher interest rate you will pay on the new account. You will lose any CURewards points you may have if you close your current account before the points are used. Lower credit limits may be set on the new account and you will not be permitted to transfer balances if you choose to keep your current card and also apply for the new account, and your credit score may be affected.

This information is accurate as of the revision date of 10/01/2023. Information is subject to change after 10/01/2023. Contact the Card Center at (405) 732-0324, option 6, or 1-800-456-4828, option 6, for questions concerning any changes occurring after the revision date of 10/01/2023.

How We Will Calculate Your Balance: We use a method called “Average Daily Balance (including new purchases).”

*The credit score ranges are as follows: Rate 1 (740 and above) Rate 2 (700 to 739) Rate 3 (660 to 699) Rate 4 (625 to 659) Rate 5 (0 to 624).

This information is accurate as of the revision date of 10/01/2023. Information is subject to change after 10/01/2023. Contact the Card Center at (405) 732-0324, option 6, or 1-800-456-4828, option 6, for questions concerning any changes occurring after the revision date of 10/01/2023.