Community Choice Credit Union Smart Credit | Consumer Financial Protection Bureau

Iowa only

Availability

State of Iowa (20 counties)

Eligibility requirements

Member of a Employee Group
Family of an eligible member
This card is from a credit union, a not-for-profit, member-owned institution that you must join before applying for the card. Check with the credit union for membership requirements, which typically include living in certain areas or working for certain employers.

Review details with the company before applying

APRs change over time and are specific to the applicant. Check rates before applying.

Web

comchoicecu.org

Phone

(866) 334-8100

Did you know: This card is from a credit union, which often offer lower interest rates and could save you hundreds of dollars per year.

Purchase interest rate and fees

17.24% – 20.99%*

*As of Jun. 30, 2024. Advertised purchase APRs change over time and are specific to the applicant, based on your credit score. Check rates before applying.

Here are typical APRs for different credit scores for this card:

Credit score	Median purchase APR	Comparison to other cards
619 or less	20.99%	2 dollar sign symbols Pay average interest
620-719	19.24%	1 dollar sign symbol Pay less interest
720+	17.24%	1 dollar sign symbol Pay less interest

After opening the credit card, the purchase APR is variable, meaning it can go up or down based on the index listed in the details below. Learn more about APRs in general and about fixed versus variable APRs.

Foreign transaction fee: 1% of each purchase
Minimum finance charge: No minimum interest payment is required to avoid additional fees
Grace period: 25 days until interest begins to accrue on purchases
Balance computation method: Monthly interest is calculated based on your average daily balance including new purchases
Purchase APR index: The purchase APR varies depending on the value of the prime index

Learn more about how credit card interest is calculated.

Fees

$0

Late fee: $29 for the first late payment and $29 for a late payment within six billing cycles of another late payment
Over-limit fee: None
Card Replacement Fee: $5 (It wasn't charged in 2023)
Rush Fee: $30 (Cardholder requests a replacement to be mailed overnight.)
Statement Copy Fee: $5 (When cardholder requests a past statement.)

Rewards and perks

This card does not offer cash back, travel, or other rewards.

Services

Access to Free Credit Scores

Card features

Contactless Payments
Chip card
Mobile wallet provisioning (for example, Apple Pay)

Balance transfer interest rate and fees

5.99%*

+

2%

*As of Jun. 30, 2024. Advertised balance transfer APRs change over time. Check rates before applying.

After 12 months, any remaining unpaid balance on your account will be subject to interest charges based on your purchase APR.

Cash advance interest rate and fees

17.24% – 20.99%*

+

3% ($5 minimum)

*As of Jun. 30, 2024. Advertised cash advance APRs change over time and are specific to the applicant, based on your credit score. Check rates before applying.

Here are typical cash advance APRs for different credit scores for this card:

Credit score	Median cash advance APR
619 or less	20.99%
620-719	19.24%
720+	17.24%

The cash advance fee is charged for each cash advance.

Did you know: If you use your card to transfer a balance or get a cash advance, you may have to start paying interest on some or all of your total balance, including new purchases, as of the date of the transaction.