Before you read the numbers.
The only purchase rate this filing states is a promotional one. The rate that applies after the promotional period is not disclosed in this document, and it is the more important of the two.
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.
| Introductory APR | 0% |
|---|---|
| Annual fee | $0 |
| Late payment fee | up to $25 |
| Foreign transaction fee | None |
| Grace period | 21 days |
| Network | Visa |
Analysis
Q2 4 1 26 Visa CC Agreement and Disclosure, as filed by Commonwealth Federal Credit Union, carries no annual fee and a 0% opening rate.
The disclosed terms
This page covers the agreement Commonwealth Federal Credit Union filed for Q2 4 1 26 Visa CC Agreement and Disclosure. It is issued on the Visa network and the filing runs five pages.
On the record here: an annual fee line, a late payment maximum, a foreign transaction fee and a grace period. A purchase rate, a cash advance rate and a balance transfer rate are not stated.
These figures carry medium extraction confidence — they are reproduced as read from the filing, which remains the authority.
The promotional period
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.
Crucially, the go-to rate is absent from what could be read out of this filing. A promotional rate without the rate that follows it is only half the pricing, and the PDF is the only source for the other half.
Fees, and what triggers them
There is no annual fee. That is the common case in this corpus — about 75% of the filings that disclose an annual fee at all disclose it as $0 — so it is a baseline expectation rather than a distinguishing feature.
Foreign transactions carry no fee. Only about 22% of the filings here that disclose a foreign transaction fee set it at zero, so this is a genuine point of difference.
Default pricing
The maximum late fee is $25 — roughly the 32nd percentile of the late fee ceilings disclosed across this index.
Paying in full
Anyone clearing the statement balance inside 21 days pays no purchase interest at all under this filing. With a corpus median of 25 days, this window is narrower than the norm.
What the filing does not tell you
The disclosure parsed here does not state a purchase rate, 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.
What this analysis can address is bounded by the filing: rates, fees and the terms around them. Everything a card issuer might advertise — rewards, benefits, bonuses, who qualifies — falls outside the document and outside this review.
Reading the agreement yourself
The original filing, 5 pages long, is linked on this page and should be read before any figure here is acted on. It is also a snapshot: issuers refile as terms change.
In short
All of this rests on figures read from the filing with less than full confidence, which is reason enough to check the document before relying on any of it.
The source document
This page is a reading of one document: the cardholder agreement Commonwealth Federal Credit Union filed with the Consumer Financial Protection Bureau. Where the two disagree, the filing is correct and this page is wrong.
Applications are handled by Commonwealth Federal Credit Union, not by us. We do not take applications and cannot say whether you would be approved.
Other cards from Commonwealth Federal Credit Union
This is the only agreement from Commonwealth Federal Credit Union in the database with enough disclosed terms to publish. See the issuer's full filing list.
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.