CashRewards L360 rate APR26

On the record for 3877 CashRewards L360 rate APR26 v1: a 17.99% purchase APR, filed by Citadel Federal Credit Union. Against the 4,587 filings on this site, that rate lands around the 28th percentile.

The disclosed terms

3877 CashRewards L360 rate APR26 v1 is one of the agreements Citadel Federal Credit Union has on file with the CFPB. It is issued on the Mastercard network and the filing runs three pages.

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

Where the purchase APR sits

17.99% puts the purchase APR near the 28th percentile across 2,280 agreements, so it undercuts the typical filing.

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.

What a balance actually costs

Carry $1,200 on this card for a year without paying it down and the purchase rate alone generates roughly $236 in interest.

Measured against the 21.99% corpus median, the same $1,200 costs approximately $59 less per year here.

Month to month it reads as about $17.87 per cycle on that balance.

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.

What the card costs before you borrow

Cash advances carry a cash advance fee of $10 or 5% of the advance, whichever is greater. $200 is the crossover point where the percentage overtakes the $10 minimum.

Transferred balances are priced at 17.99%; no separate transfer fee was captured from the filing.

When a payment is late

The maximum late fee is $35 — roughly the 54th percentile of the late fee ceilings disclosed across this index.

The limits of this document

Absent from the captured terms: an annual fee, a foreign transaction fee, a grace period and penalty pricing. The original document is the place to look for any of these.

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.

How it sits in the issuer's own range

Citadel Federal Credit Union has 3 agreements indexed on this site. The others all file the same 17.99% purchase rate. Whatever separates these products, it is not the cost of borrowing.

The document itself

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

In short

17.99% is an unexceptional purchase rate in this collection, and the rest of the terms follow the same pattern.