Application and Solicitation Disclosure (MXC10 C 4)

On the record for Application and Solicitation Disclosure (MXC10 C 4) 4 6 2026: a purchase APR of 1.99%–4.99%, no annual fee and a six-month 0% opening period, filed by Americu Credit Union. Against the 4,587 filings on this site, that rate lands around the 2nd percentile.

On the face of the filing

What follows is drawn entirely from Americu Credit Union's CFPB filing for Application and Solicitation Disclosure (MXC10 C 4) 4 6 2026. The filing runs two pages, and It is issued on the Visa network.

Terms captured from the document include a purchase rate, a cash advance rate, a balance transfer rate, an annual fee line and a late payment maximum. It is silent on a penalty rate.

This document discloses several products inside a single rate table. That means the numbers below are the ones the table contains, not necessarily the ones attached to this particular card — the filing itself is the only way to tell them apart.

Zero percent, and then what

A six-month promotional period at 0% is on the record here — during it, qualifying balances cost nothing to carry.

About 458 agreements in this corpus carry a zero-percent opening rate; this is one of them.

The go-to rate is 4.99%. Any balance still outstanding when the promotion lapses starts accruing at that figure — about $102 a year on $2,000.

Put the other way round, the six-month zero rate is worth roughly $51 on a $2,000 balance relative to paying the go-to rate from day one — a real figure, but one that only materialises for someone who was going to carry that balance anyway.

Where the purchase APR sits

Purchases price between 1.99% and 4.99% under this filing. The 3-point gap between the two is material, and nothing in the agreement indicates where a given account would land.

Read against the index, the low end ranks around the 2nd percentile and the high end around the 2nd — the band straddles a wide stretch of the market this corpus describes.

The agreement labels the purchase rate variable, so the quoted figure reflects the index at the time of filing rather than a locked-in price.

The rate discussed in this section is the go-to rate — the one that applies once the promotional period described below has ended, not the promotional rate itself.

What a balance actually costs

A $5,000 balance left untouched for twelve months accrues about $256 in interest at this purchase rate.

A typical filing in this index would charge about $1,229 on that balance; this one is roughly $974 a year below it.

That maths assumes a static balance and nothing else — no payments, no additional purchases, no fees folded in.

The downside terms

Late payments are capped at $25 under this filing, about the 32nd percentile of late fee maximums in the corpus.

What the card costs before you borrow

No annual fee appears in the filing, in line with the roughly 75% of disclosing agreements in this index that charge nothing to hold the card.

For cash advances the filing discloses a cash advance fee of $10 or 3% of the advance, whichever is greater and a cash advance APR of 1.99%. The two halves of that fee cross at about $333: below it the flat $10 applies, above it the percentage does. Cash advances also tend to fall outside any grace period, which means interest typically starts on day one rather than at the end of a billing cycle.

Transferred balances are priced at 1.99%; no separate transfer fee was captured from the filing.

Spending abroad costs an extra 1% — about $10 on $1,000 of purchases, independent of interest.

The no-interest path

Purchases carry a 25-day grace period: pay the statement in full inside it and the purchase rate never applies. That matches the 25-day median across the corpus almost exactly.

The $0.50 minimum interest charge means the effective cost of carrying a very small balance is far higher than the quoted APR implies.

Against the rest of Americu Credit Union's filings

This is one of 8 Americu Credit Union agreements collected here. Their disclosed purchase rates run from 13.9% to 15.9%, and this one at 4.99% is more expensive than 0 of them.

What is outside the disclosure

Absent from the captured terms: 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.

The document itself

The filed PDF is linked from this page and runs two pages. It is the authority for every figure summarised above; where this page and the document disagree, the document is right.

In short

At 4.99% the purchase rate is low relative to this corpus, which is the clearest thing the filing has going for it on cost. Because there is no annual fee, everything depends on the revolving behaviour: used as a payment instrument and cleared monthly, this agreement costs nothing. The multi-product table is the larger caveat: these numbers are the table's, not necessarily this card's.