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.
| Annual fee | $0 |
|---|---|
| Late payment fee | up to $25 |
| Foreign transaction fee | None |
| Cash advance fee | None |
| Balance transfer fee | None |
| Grace period | 25 days |
| Network | Visa |
Analysis
On the record for 2019 Application and Solicitation Disclosure: no annual fee, filed by Alpena-Alcona Area Credit Union.
On the face of the filing
This page covers the agreement Alpena-Alcona Area Credit Union filed for 2019 Application and Solicitation Disclosure. It is issued on the Visa network and the filing runs two pages.
Terms captured from the document include 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.
Parsing confidence here is medium, so treat the figures as indicative of the filing rather than a substitute for it.
Where the fees are
The annual fee is $0. Roughly 75% of filings here that state a fee state zero, so the absence of one is unremarkable in this market.
Foreign transactions carry no fee. Only about 22% of the filings here that disclose a foreign transaction fee set it at zero, so this is a genuine point of difference.
What a missed payment costs
On the fee side, a late payment can cost up to $25, which is around the 32nd percentile here.
The grace period
25 days is the disclosed grace period for purchases — the interval in which paying in full costs nothing. That matches the 25-day median across the corpus almost exactly.
How it sits in the issuer's own range
This is one of 7 Alpena-Alcona Area Credit Union agreements collected here.
The limits of this document
Absent from the captured terms: a purchase rate and penalty pricing. 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
The original filing, 2 pages long, is linked on this page and should be read before any figure here is acted on. It is also a snapshot: issuers refile as terms change.
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 Alpena-Alcona Area 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 Alpena-Alcona Area Credit Union, not by us. We do not take applications and cannot say whether you would be approved.
Other cards from Alpena-Alcona Area Credit Union
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APP & SOL intro rate & NO BT
Agreement filed with the CFPB
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- 1%
-
Application & Solicitation with BT & INTRO
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-
Credit Card Account Opening disclosure with BT CLASSIC
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Credit Card Account Opening disclosure with BT PLAT
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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.