Must be a Consumers Credit Union member, eligible to those who live, work, worship, or are enrolled in post high school educational institutions in Allegan, Barry, Berrien, Branch, Calhoun, Cass, Kalamazoo, Kent, Ottawa, St. Joseph, or Van Buren counties, Michigan. Consumers' Credit Builder can help you establish or repair credit. Foreign Transaction & Cross–Border Assessment Fee: 2% of each transaction in U.S. dollars regardless of whether the transaction involves a currency conversion, and .008% of the Issuer Settlement Amount and 0.002% of the Issuer Settlement Amount if there is a currency conversion. Penalty APR: 22.99%. If card issuer increases your APRs due to a late payment, they may be kept at this higher level on existing and new balances until you make six consecutive on–time payments.