Tlcu Financial credit card terms
Bank · 2 products surveyed · CFPB TCCP survey, Jul-Dec 2025
Tlcu Financial reported a surveyed purchase APR of 10% – 21% (median 13%) to the CFPB Terms of Credit Card Plans survey, across 2 products. 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.
Tlcu Financial surveyed terms at a glance
| Term | Reported value |
|---|---|
| Purchase APR (surveyed range) | 10% – 21% |
| Median purchase APR | 13% |
| Rate type | fixed |
| Intro / promo APR offered | Yes (from 4.9%) |
| Balance-transfer APR (max) | 4.9% |
| Cash-advance APR (max) | 21% |
| 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 Tlcu Financial did not report that field in the survey.
Tlcu Financial purchase APR by credit tier
Median purchase APR Tlcu Financial reported for each applicant credit tier. Cards typically quote a range and place you within it based on your credit:
| Your credit tier | Median purchase APR |
|---|---|
| Poor credit (619 or less) | 14.5% |
| Good credit (620-719) | 11.5% |
| Great credit (720+) | 10% |
Source: CFPB Terms of Credit Card Plans (TCCP) Survey. Data as of CFPB TCCP survey, Jul-Dec 2025.
How Tlcu Financial 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. Tlcu Financial's median of 13% sits around or below the 21% national average APR.
Similar issuers (bank)
| Issuer | Surveyed purchase APR | Median APR | Annual fee |
|---|---|---|---|
| Tlcu Financial (this issuer) | 10% – 21% | 13% | — |
| Hills Bank And Trust Company | 11.75% – 15.75% | 13.75% | — |
| State Bank And Trust Company, The | 6.99% – 21.99% | 13.99% | — |
| United Bank | 5.99% – 21.49% | 15.49% | — |
| Solvay Bank | 15.88% | 15.88% | — |
| Jonah Bank Of Wyoming | 16.25% | 16.25% | $50 |
| Sabine State Bank And Trust Company | 16.8% | 16.8% | $12 |
Hills Bank And Trust Company · State Bank And Trust Company, The · United Bank · Solvay Bank · Jonah Bank Of Wyoming · Sabine State Bank And Trust Company
Frequently asked questions
What is Tlcu Financial's credit card APR?
Tlcu Financial reported a purchase APR of 10% – 21% to the CFPB Terms of Credit Card Plans survey (median 13%), across 2 surveyed products. Rates are fixed. This is a surveyed range, not an offer; your actual APR depends on your credit.
Does Tlcu Financial charge an annual fee?
Tlcu Financial 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 Tlcu Financial a good choice for a low APR?
Tlcu Financial's surveyed range is 10% – 21%. Compare it against a credit union, which often offers lower rates (federal credit unions are capped at 18%).
Keep exploring
Sources & accuracy
Terms reported by Tlcu Financial (Tlcu Financial) 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