AOD Broadview Credit A

Broadview Federal Credit Union's filed agreement for AOD Broadview Credit A discloses a 18% purchase APR and no annual fee. That purchase rate ranks near the 34th percentile across this corpus of 4,587 filings.

What the document actually states

Broadview Federal Credit Union filed this agreement for AOD Broadview Credit A with the Consumer Financial Protection Bureau. The filing runs two pages.

The filing is explicit about a purchase rate, an annual fee line, a late payment maximum, a foreign transaction fee and a grace period. No figure appears for a cash advance rate, a balance transfer rate and a penalty rate.

The purchase rate was taken from a row the filing did not clearly label, so there is some risk it describes a different balance type.

How the purchase rate compares

Measured against every other filing on the site, 18% is about the 34th percentile for purchase APR; it sits below the middle of the distribution.

The cost of carrying a balance

A $1,200 balance left untouched for twelve months accrues about $237 in interest at this purchase rate.

Measured against the 21.99% corpus median, the same $1,200 costs approximately $58 less per year here.

Treat this as an illustration of what the disclosed rate does, not as a projection of a real account, which would be shaped by payments and by the fees described elsewhere in the filing.

Penalty pricing and late fees

The maximum late fee is $0 — roughly the 2nd percentile of the late fee ceilings disclosed across this index.

Where the fees are

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.

No foreign transaction fee is charged, which puts this filing in the roughly 22% of disclosing agreements here that do not take a cut of overseas spending.

The grace period

Anyone clearing the statement balance inside 25 days pays no purchase interest at all under this filing. That matches the 25-day median across the corpus almost exactly.

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

There are 27 filings from Broadview Federal Credit Union in this index. The others all file the same 18% purchase rate. Whatever separates these products, it is not the cost of borrowing.

What the filing does not tell you

The disclosure parsed here does not state anything about cash advances, balance transfer terms and penalty pricing. Those gaps are gaps in what could be read from the filing, and the PDF may well address them in prose the rate table does not capture.

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.

Where the authority sits

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

18% is an unexceptional purchase rate in this collection, and the rest of the terms follow the same pattern.