Credit Card Application

Credit Card Application, as filed by Fieldstone Credit Union, carries a 9.99% purchase APR. Against the 4,587 filings on this site, that rate lands around the 5th percentile.

On the face of the filing

What follows is drawn entirely from Fieldstone Credit Union's CFPB filing for Credit Card Application. The filing runs two 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 and a grace period. It is silent on a penalty rate, an annual fee line and a late payment maximum.

Parsing confidence here is medium, so treat the figures as indicative of the filing rather than a substitute for it.

The purchase APR against the corpus

At 9.99%, the purchase APR falls at roughly the 5th percentile of the 2,280 filings indexed here, which sits well down in the cheaper fifth of the set.

The arithmetic of revolving

The purchase rate turns a $5,000 revolving balance into roughly $525 of annual interest.

Priced at the median of 21.99%, that balance would generate about $1,229 in a year — so this agreement comes in around $704 cheaper for the same debt.

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

The fee structure

Taking cash against the card means a cash advance APR of 9.99%.

Transferred balances are priced at 9.99%; no separate transfer fee was captured from the filing.

The no-interest path

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

What the filing does not tell you

This page cannot tell you an annual fee, a foreign transaction fee 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.

Where the authority sits

This summary stands or falls on the linked PDF — two pages. Agreements are amended over time, and the filing reflects the terms as submitted rather than as they stand today.

In short

The purchase rate of 9.99% is one of the cheaper figures in this index — the central point in the agreement's favour. 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.