Albina Community Bank Credit Card

Card Details
Rewards	N/A
Signup Bonus	None.
Annual Fee	The card may have an annual fee, but the fee is conditionally waivable rather than being set at a flat amount.
Cardmember Agreement	View Here
Cash Advance APR	11.99% (APR is subject to change)
Cash Advance Fee	4% of the cash advance amount, with a minimum fee of $5.
Late Payment Fee	They may charge a $20.00 late fee to your Account if you do not pay at least the minimum payment by the payment due date.
Purchases APR	11.99% (APR is subject to change)
* Card terms and offers are subject to change. Confirm current details with the issuer.

CARD OVERVIEW

The Albina Community Bank Credit Card is generally viewed as a simple, no-frills card — the kind that focuses on basic credit access rather than flashy perks. It’s usually known for its straightforward terms, modest fees, and lack of rewards, so you won’t find cash-back structures, travel perks, or big intro bonuses here.

Positive feedback
Most users say they appreciate the simplicity: predictable rates, no confusing reward rules, and a community-bank feel. Many reviewers mentioned that customer service was more personal and responsive than what they experienced with big banks.

Negative feedback
On the flip side, people often note that the card feels outdated compared with modern rewards cards. Many reviewers mentioned limited online features, no points or cash back, and fewer travel or security perks. Some say it’s “fine, but basic.”

Blogger’s opinion
Personally, I think this card makes the most sense for local customers who prefer a community-bank relationship or anyone who just needs a clean, uncomplicated credit line. If you’re chasing rewards, welcome bonuses, or premium perks, you’ll almost definitely find better value elsewhere — but as a starter or backup card, it gets the job done.