Before you read the numbers.
The filing discloses a promotional rate alongside the ongoing rate. The figure shown here is the go-to rate that applies once the promotional period ends, because that is the rate that governs for the life of the account.
This document covers more than one card product in a single disclosure table. Figures shown may belong to a sibling product rather than to this one. Check the filing before relying on any individual number.
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.
| Purchase APR | 12.15%–17.15% (variable) |
|---|---|
| Introductory APR | 0% |
| Balance transfer APR | 12.15% |
| Cash advance APR | 12.15% |
| Penalty APR | 24.15% |
| Annual fee | $0 |
| Late payment fee | up to $37 |
| Foreign transaction fee | 1% |
| Balance transfer fee | 3% or $10.00, whichever is greater |
| Grace period | 25 days |
| Minimum interest charge | $0 |
| Network | Visa |
Analysis
decu form cc application rates f242176 a, as filed by Dominion Energy Credit Union, carries a purchase APR of 12.15%–17.15%, no annual fee, a 0% opening rate and a 24.15% penalty rate. The purchase rate sits at roughly the 21st percentile of the 4,587 agreements indexed here.
The disclosed terms
The document behind this page is Dominion Energy Credit Union's filed agreement for decu form cc application rates f242176 a. The filing runs four pages, and It is issued on the Visa network.
The filing is explicit about a purchase rate, a cash advance rate, a balance transfer rate, a penalty rate and an annual fee line.
This document discloses several products inside a single rate table. That means the numbers below are the ones the table contains, not necessarily the ones attached to this particular card — the filing itself is the only way to tell them apart.
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.
Behind the promotion sits a 17.15% purchase rate. On $2,500 that is in the region of $468 a year once the window closes.
How the purchase rate compares
The purchase APR is quoted as a range of 12.15% to 17.15%. That 5-point spread is the whole of what the filing commits to; the method for assigning a rate inside it is not in the document.
Those two numbers occupy very different places in the corpus: roughly the 18th percentile at the bottom and the 21st at the top.
This is disclosed as a variable rate. The number above is a snapshot: it tracks an index, so it changes without the agreement being amended.
To be precise about which number this is: the filing identifies it as the rate that takes over after the introductory period, not the introductory rate.
What a balance actually costs
At the disclosed purchase APR, $3,000 revolving for a full year costs something like $561 in interest.
Priced at the median of 21.99%, that balance would generate about $738 in a year — so this agreement comes in around $176 cheaper for the same debt.
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.
The fee structure
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.
Cash advances carry a cash advance APR of 12.15%.
Moving a balance onto this card carries an up-front charge of $10 or 3% of the amount transferred, whichever is greater, with the transferred balance priced at 12.15%. Transferring $3,000 would cost roughly $90 at the door.
The filing sets a 1% foreign transaction fee, which adds roughly $20 to $2,000 spent outside the United States.
When a payment is late
The agreement discloses penalty pricing of 24.15% — about the 45th percentile of the 794 penalty rates recorded across this index.
Measured in money, moving from 17.15% to 24.15% costs an extra $86 or so annually on $1,000 — a far larger number than any single late fee.
Late payments are capped at $37 under this filing, about the 59th percentile of late fee maximums in the corpus.
The no-interest path
Purchases carry a 25-day grace period: pay the statement in full inside it and the purchase rate never applies.
No minimum interest charge is imposed, so a cycle that accrues a few cents of interest is billed a few cents.
What you cannot learn from the filing
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 original filing, 4 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
At 17.15% the purchase rate is close to ordinary for this corpus; nothing in the rate table sets this filing far apart from its peers. The absence of an annual fee means the rate is the only thing that can make this card expensive. And because the filing covers several products in one table, even the figures that are right may belong to a different card.
The source document
This page is a reading of one document: the cardholder agreement Dominion Energy 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 Dominion Energy Credit Union, not by us. We do not take applications and cannot say whether you would be approved.
Other cards from Dominion Energy Credit Union
This is the only agreement from Dominion Energy 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.