Agreements as filed with the CFPB. Not an offer of credit. How we read them
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Advancial Federal Credit Union

Advancial Rewards - Advancial Federal Credit Union

A Advancial Federal Credit Union card, with the issuer's own application link and an honest account of what its filed agreements do and do not tell you about the price.

Advancial Rewards credit card from Advancial Federal Credit Union
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Takes you to Advancial Federal Credit Union. We are not the lender.

Advancial Rewards is issued by Advancial Federal Credit Union. The button below hands you to the issuer's own application.

Apply now Advancial Federal Credit Union agreements on file

Applications are handled by Advancial Federal Credit Union, not by us. We do not take applications, we are not the lender, and we cannot say whether you would be approved.

Before you read the numbers.

This document contains no Truth in Lending disclosure table, so the rates and fees below are whatever could be found in the body text. Several standard figures are simply absent from the filing.

Disclosed rates and fees

Read from the agreement Advancial Federal Credit Union filed with the CFPB under the name “Advancial Rewards Terms and Conditions”, matched to this card by name. Anything the filing does not state is left out of this table rather than shown as a zero.

Terms as disclosed in the filed agreement matched to Advancial Rewards
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Open the filed agreement (PDF)

Where these facts come from

The card name, the image and the application link on this page were read from Advancial Federal Credit Union's own website (product page). The rates and fees, where we show them, come from a different source entirely: the cardholder agreement the issuer filed with the Consumer Financial Protection Bureau.

Those two sources can disagree, and when they do the issuer's current offer is the one you would actually get. A filed agreement is a snapshot of the terms at the moment of filing; it is the best public record of what a card costs and it is not a quote. Read Advancial Federal Credit Union's current disclosure before you apply.

We join a filing to a product only when the names match on every meaningful word. Issuers file documents, not cards, so a great many filings cannot be tied to any one product — and an agreement attached to the wrong card would misstate the price of borrowing money. How we read the filings.

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