Credit and Security Agreement + Rate Sheet

Boeing Employees' Credit Union's filed agreement for Credit and Security Agreement + Rate Sheet 1 1 2026 discloses a purchase APR of 16.74%–25.74%, no annual fee and a 0% opening rate. That purchase rate ranks near the 62nd percentile across this corpus of 4,587 filings.

The disclosed terms

The document behind this page is Boeing Employees' Credit Union's filed agreement for Credit and Security Agreement + Rate Sheet 1 1 2026. The filing runs 17 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.

The interest-free window

A 0% promotional rate appears in the document without an accompanying term — the length of the window is not captured.

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

Behind the promotion sits a 25.74% purchase rate. On $1,000 that is in the region of $293 a year once the window closes.

The purchase APR against the corpus

This is a tiered agreement: the filing discloses a purchase APR anywhere from 16.74% to 25.74%, a spread of 9 percentage points. Which end of that band applies is set by the issuer at account opening and the filing does not say how.

Those two numbers occupy very different places in the corpus: roughly the 42nd percentile at the bottom and the 62nd at the top.

The filing marks this rate as variable, which means it moves with the index the agreement names rather than staying where it is quoted today.

The cost of carrying a balance

At the disclosed purchase APR, $3,000 revolving for a full year costs something like $880 in interest.

The median purchase rate across the corpus is 21.99%; the same balance there would cost about $738. The gap — roughly $143 a year on $3,000 — is the price of this particular filing over a typical one.

These figures are arithmetic on the disclosed rate, not a quote: they assume the balance is never reduced, ignore any payments, and take no account of fees charged separately.

Fees, and what triggers them

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.

For cash advances the filing discloses a cash advance APR of 16.74%. The grace period described below generally does not extend to cash advances, so interest on them usually begins immediately.

The filing discloses a 16.74% balance transfer rate without an accompanying fee figure.

The foreign transaction fee is zero — a minority position in this corpus, where roughly 22% of disclosing filings waive it.

When a payment is late

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 23 days' grace on purchases, meaning a statement balance paid in full within that window attracts no interest. That is shorter than the 25-day corpus median.

What the filing does not tell you

This page cannot tell you penalty pricing, because the filing's disclosure table as read does not contain it.

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.

Against the rest of Boeing Employees' Credit Union's filings

There are 18 filings from Boeing Employees' Credit Union in this index. Their disclosed purchase rates run from 25.24% to 27.24%, and this one at 25.74% is more expensive than 1 of them.

Go to the source

The filed PDF is linked from this page and runs 17 pages. It is the authority for every figure summarised above; where this page and the document disagree, the document is right.

In short

At 25.74% the purchase rate is close to ordinary for this corpus; nothing in the rate table sets this filing far apart from its peers.