Agreements as filed with the CFPB. Not an offer of credit. How we read them
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Broadview Federal Credit Union

Application and Solicitation

What this agreement does and does not disclose, and why that gap matters when you are comparing what a card costs.

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.

Terms as disclosed in the filed agreement for Application and Solicitation
Annual fee$0
Late payment fee$0
Foreign transaction feeNone
Grace period25 days

Analysis

The Application and Solicitation filing from Broadview Federal Credit Union sets out no annual fee.

What the agreement puts on the record

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

On the record here: an annual fee line, a late payment maximum, a foreign transaction fee and a grace period. It is silent on a purchase rate, a cash advance rate and a balance transfer rate.

The disclosure table in this document parsed only moderately cleanly; the numbers are reported as read, with that caveat attached.

The fee structure

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.

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.

When a payment is late

$0 is the disclosed ceiling on a late payment fee, placing it near the 2nd percentile of the set.

Paying in full

25 days is the disclosed grace period for purchases — the interval in which paying in full costs nothing.

The issuer's other agreements

27 separate Broadview Federal Credit Union filings appear in the corpus. Their disclosed purchase rates run from 18% to 18%, though this particular filing does not state one in comparable form.

What the filing does not tell you

This page cannot tell you a purchase rate, anything about cash advances, balance transfer terms and penalty pricing, 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.

Reading the agreement yourself

Everything here is a reading of the filed agreement, two pages of it, which is linked above and which governs. Terms also change between filings, so the date on the document matters.

In short

Extraction confidence here is not high, so the conclusions above are provisional on the PDF agreeing with them.

The source document

This page is a reading of one document: the cardholder agreement Broadview Federal Credit Union filed with the Consumer Financial Protection Bureau. Where the two disagree, the filing is correct and this page is wrong.

Open the filed agreement (PDF)

Applications are handled by Broadview Federal Credit Union, not by us. We do not take applications and cannot say whether you would be approved.

Go to Broadview Federal Credit Union

Other cards from Broadview Federal Credit Union

All 27 agreements from Broadview Federal Credit Union

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.