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 | 17.99% |
|---|---|
| Late payment fee | up to $25 |
| Foreign transaction fee | 3% |
| Grace period | 25 days |
| Minimum interest charge | $0 |
| Network | Visa |
Analysis
The credit card disclosures filing from Arizona Financial Credit Union sets out a 17.99% penalty rate.
What the document actually states
What follows is drawn entirely from Arizona Financial Credit Union's CFPB filing for credit card disclosures. The filing runs one page, and It is issued on the Visa network.
The filing is explicit about a penalty rate, a late payment maximum, a foreign transaction fee and a grace period. A purchase rate, a cash advance rate and a balance transfer rate are not stated.
Parsing confidence here is medium, so treat the figures as indicative of the filing rather than a substitute for it.
Fees, and what triggers them
Spending abroad costs an extra 3% — about $60 on $2,000 of purchases, independent of interest.
That is at the high end of this corpus — around the 91st percentile of disclosed foreign transaction fees.
When a payment is late
A penalty APR of 17.99% sits in this filing, applied when the account falls into default as the agreement defines it. Against the 794 filings here that disclose one, that is roughly the 12th percentile.
On the fee side, a late payment can cost up to $25, which is around the 32nd percentile here.
Paying in full
25 days is the disclosed grace period for purchases — the interval in which paying in full costs nothing.
The filing sets the minimum interest charge at zero — small balances are not rounded up to a floor.
How it sits in the issuer's own range
Arizona Financial Credit Union has 5 agreements indexed on this site.
The limits of this document
This page cannot tell you a purchase rate, anything about cash advances, balance transfer terms and an annual fee, because the filing's disclosure table as read does not contain them.
More broadly, a CFPB agreement filing is a legal and pricing document. It does not describe rewards, benefits, sign-up offers, eligibility or approval criteria, and nothing of that kind has been inferred on this page. Where a card has features of that sort, they live outside this document entirely.
Where the authority sits
Everything here is a reading of the filed agreement, one page of it, which is linked above and which governs. Terms also change between filings, so the date on the document matters.
In short
All of this rests on figures read from the filing with less than full confidence, which is reason enough to check the document before relying on any of it.
The source document
This page is a reading of one document: the cardholder agreement Arizona Financial 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 Arizona Financial Credit Union, not by us. We do not take applications and cannot say whether you would be approved.
Other cards from Arizona Financial Credit Union
-
credit card disclosures
Agreement filed with the CFPB
- Foreign tx fee
- 3%
-
credit card disclosures
Agreement filed with the CFPB
- Foreign tx fee
- 3%
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.