CFPB TCCP survey · December 31, 2025
Bellwether Community Credit Union credit card rates & fees
Bellwether Community Credit Union reported 2 credit card plans to the CFPB. Their median purchase APR is 20.12%, lower than the 23.49% median across all surveyed cards. The lowest starting APR is on the Smart Rate Card (12.99%). 2 of 2 plans have no annual fee.
Credit union Bellwether Community Credit Union financial health scorecard 62 out of 100, Moderate
Plans
| Card | Purchase APR | By credit tier (great / good / poor) | Cash APR | Annual fee | Late fee | Foreign fee | Grace |
|---|---|---|---|---|---|---|---|
| Smart Rate Card | 12.99% – 23.24% | 13.1% / 18.1% / 23.1% | — | $0 | $27 | 2.0% | 30 d |
| Smart Rewards CardOther rewards | 14.99% – 25.24% | 15.1% / 20.1% / 24.1% | — | $0 | — | 2.0% | 25 d |
APRs are what the issuer reported for the survey period; your offer depends on your credit. Check the issuer's current terms before applying. "Credit tier" columns are the median APR the issuer reported for consumers with credit scores of 720+, 620–719 and 619 or below.