Disclosed rates and fees
Every figure below was read from this issuer's filed agreement. Anything the filing does not state is left out of this table rather than shown as zero.
| Penalty APR | 18% |
|---|---|
| Annual fee | $0 |
| Late payment fee | up to $25 |
| Foreign transaction fee | 1% |
| Grace period | 21 days |
| Minimum interest charge | $0.01 |
| Network | Visa |
Analysis
Visa Til, as filed by Alabama State Employees Credit Union, carries no annual fee and a 18% penalty rate.
What the agreement puts on the record
Visa Til is one of the agreements Alabama State Employees Credit Union has on file with the CFPB. The filing runs six pages, and It is issued on the Visa network.
Terms captured from the document include a penalty rate, an annual fee line, a late payment maximum, a foreign transaction fee and a grace period. No figure appears for a purchase rate, a cash advance rate and a balance transfer rate.
These figures carry medium extraction confidence — they are reproduced as read from the filing, which remains the authority.
Where the fees are
There is no annual fee. That is the common case in this corpus — about 75% of the filings that disclose an annual fee at all disclose it as $0 — so it is a baseline expectation rather than a distinguishing feature.
The filing sets a 1% foreign transaction fee, which adds roughly $30 to $3,000 spent outside the United States.
The downside terms
If the account defaults, the filing permits a rate of 18%. Among disclosing agreements here that ranks near the 19th percentile.
On the fee side, a late payment can cost up to $25, which is around the 32nd percentile here.
Grace period and minimum charge
The filing gives 21 days' grace on purchases, meaning a statement balance paid in full within that window attracts no interest. With a corpus median of 25 days, this window is narrower than the norm.
A minimum interest charge of $0.01 applies in any cycle where interest is due, which makes very small revolving balances disproportionately expensive.
The issuer's other agreements
This is one of 7 Alabama State Employees Credit Union agreements collected here.
What you cannot learn from the filing
Absent from the captured terms: a purchase rate, anything about cash advances and balance transfer terms. The original document is the place to look for any of these.
An agreement filing is not a marketing document. Rewards, perks, welcome offers and eligibility rules are not in it, are not in this dataset, and are therefore not discussed anywhere on this page.
Go to the source
This summary stands or falls on the linked PDF — six pages. Agreements are amended over time, and the filing reflects the terms as submitted rather than as they stand today.
In short
Given the parsing confidence on this filing, read the agreement itself before treating any of these figures as settled.
The source document
This page is a reading of one document: the cardholder agreement Alabama State Employees Credit Union filed with the Consumer Financial Protection Bureau. Where the two disagree, the filing is correct and this page is wrong.
Applications are handled by Alabama State Employees Credit Union, not by us. We do not take applications and cannot say whether you would be approved.
Other cards from Alabama State Employees Credit Union
-
LEND Credit Card TIL Disclosure 11
Agreement filed with the CFPB
- Annual fee
- $0
- Foreign tx fee
- 1%
-
Visa Til
Agreement filed with the CFPB
- Annual fee
- $0
- Foreign tx fee
- 1%
Where this card sits
Groups this agreement qualifies for, by its own disclosed terms:
Comparable cards from other issuers
Closest disclosed purchase APR among cards in the same groups.