M 141219 750 Celtic Std

The M 141219 750 Celtic Std filing from Celtic Bank sets out a 35.9% purchase APR and a $125 annual fee. That purchase rate ranks near the 91st percentile across this corpus of 4,587 filings.

The disclosed terms

M 141219 750 Celtic Std is one of the agreements Celtic Bank has on file with the CFPB. The filing runs 13 pages.

The disclosure covers a purchase rate, a cash advance rate, an annual fee line, a late payment maximum and a foreign transaction fee. No figure appears for a balance transfer rate and a penalty rate.

How the purchase rate compares

The purchase APR of 35.9% places this agreement around the 91st percentile of the set — it is costlier than the large majority of filings here.

The cost of carrying a balance

The purchase rate turns a $4,000 revolving balance into roughly $1,727 of annual interest.

Against the corpus median of 21.99%, that is approximately $743 a year of extra interest on the same $4,000.

Broken down to a single thirty-day cycle, the same balance accrues roughly $119.73.

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

The no-interest path

The filing gives 25 days' grace on purchases, meaning a statement balance paid in full within that window attracts no interest. 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.

Default pricing

The maximum late fee is $41 — roughly the 89th percentile of the late fee ceilings disclosed across this index.

What the card costs before you borrow

$125 a year is the disclosed annual fee, which ranks near the 95th percentile of the fees filed across this corpus.

For scale, $125 is approximately what $348 of revolving balance would cost in interest over twelve months at this card's 35.9% rate.

Cash advances carry a cash advance fee of $10 or 3% of the advance, whichever is greater and a cash advance APR of 35.9%. The two halves of that fee cross at about $333: below it the flat $10 applies, above it the percentage does. The grace period described below generally does not extend to cash advances, so interest on them usually begins immediately.

Foreign transactions attract 3%. On $1,000 of overseas spending that is $30, charged on top of whatever exchange rate applies.

That is at the high end of this corpus — around the 91st percentile of disclosed foreign transaction fees.

How it sits in the issuer's own range

92 separate Celtic Bank filings appear in the corpus. Their disclosed purchase rates run from 22.49% to 35.9%, and this one at 35.9% is more expensive than 25 of them.

What you cannot learn from the filing

This page cannot tell you 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.

Go to the source

The filed PDF is linked from this page and runs 13 pages. It is the authority for every figure summarised above; where this page and the document disagree, the document is right.

In short

35.9% on purchases is the number that dominates this agreement. Paid in full each cycle it never applies; carried, it is among the dearer prices in this index. The $125 annual fee is charged regardless of use, so it is a cost that applies even to an account that never revolves.