Blucurrent Credit Union credit card terms
Credit union · 2 products surveyed · CFPB TCCP survey, Jul-Dec 2025
Blucurrent Credit Union reported a surveyed purchase APR of 9.9% – 13.9% (median 11.9%) to the CFPB Terms of Credit Card Plans survey, across 2 products. As a credit union, its cards are capped at an 18% APR by federal law. No annual fee was reported for its surveyed cards. These are surveyed terms, not an offer — your APR depends on your credit.
Source: CFPB Terms of Credit Card Plans (TCCP) Survey. Data as of CFPB TCCP survey, Jul-Dec 2025.
Blucurrent Credit Union surveyed terms at a glance
| Term | Reported value |
|---|---|
| Purchase APR (surveyed range) | 9.9% – 13.9% |
| Median purchase APR | 11.9% |
| Rate type | fixed |
| Intro / promo APR offered | Not reported |
| Balance-transfer APR (max) | — |
| Cash-advance APR (max) | 13.9% |
| Annual fee | — |
| Late fee (median) | $15 |
| Secured card offered | Not reported |
| Products surveyed | 2 |
Source: CFPB Terms of Credit Card Plans (TCCP) Survey. Data as of CFPB TCCP survey, Jul-Dec 2025.
A dash (—) means Blucurrent Credit Union did not report that field in the survey.
How Blucurrent Credit Union compares
For good credit (620-719), the CFPB median purchase APR was 28.2% at large issuers and 18.15% at small banks and credit unions. Blucurrent Credit Union's median of 11.9% sits around or below the 21% national average APR.
Similar issuers (credit union)
| Issuer | Surveyed purchase APR | Median APR | Annual fee |
|---|---|---|---|
| Blucurrent Credit Union (this issuer) | 9.9% – 13.9% | 11.9% | — |
| Dakotaland Federal Credit Union | 9.9% – 17.9% | 11.9% | — |
| Southern Credit Union, The | 11.9% | 11.9% | — |
| North Country Federal Credit Union | 6.45% – 16.95% | 11.95% | — |
| Summit Credit Union | 8.95% – 17.95% | 11.95% | — |
| Sandia Area Federal Credit Union | 8.49% – 17.99% | 11.99% | — |
| Wave Federal Credit Union | 11.99% | 11.99% | — |
Dakotaland Federal Credit Union · Southern Credit Union, The · North Country Federal Credit Union · Summit Credit Union · Sandia Area Federal Credit Union · Wave Federal Credit Union
Frequently asked questions
What is Blucurrent Credit Union's credit card APR?
Blucurrent Credit Union reported a purchase APR of 9.9% – 13.9% to the CFPB Terms of Credit Card Plans survey (median 11.9%), across 2 surveyed products. Rates are fixed. This is a surveyed range, not an offer; your actual APR depends on your credit.
Does Blucurrent Credit Union charge an annual fee?
Blucurrent Credit Union did not report an annual fee for its surveyed cards (most general cards from this issuer have no annual fee, though premium cards can). Verify the specific card's terms.
Is Blucurrent Credit Union a good choice for a low APR?
Blucurrent Credit Union is a credit union, and federal credit unions are capped at an 18% APR by law - so its rates (9.9% – 13.9%) tend to undercut large banks. The CFPB found small banks and credit unions charge roughly 8 to 10 percentage points (large vs small issuers, across credit tiers) less than large issuers for the same credit tier.
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Sources & accuracy
Terms reported by Blucurrent Credit Union (Blucurrent Credit Union) to the CFPB Terms of Credit Card Plans (TCCP) Survey (U.S. public domain, CFPB TCCP survey, Jul-Dec 2025). Surveyed terms are not an offer; your actual APR, fees and approval depend on your creditworthiness. Verify current terms with the issuer. See our methodology and disclaimer.
Last updated: 2026-06-29