Credit Line Account Agreement And Federal Disclosure Statement

Firefighters First Federal Credit Union's filed agreement for Credit Line Account Agreement And Federal Disclosure Statement 12262025 discloses a purchase APR of 8.99%–16.99%. That purchase rate ranks near the 21st percentile across this corpus of 4,587 filings.

What the document actually states

The document behind this page is Firefighters First Federal Credit Union's filed agreement for Credit Line Account Agreement And Federal Disclosure Statement 12262025. The filing runs three pages, and It is issued on the Visa network.

On the record here: a purchase rate, a cash advance rate, a balance transfer rate and a late payment maximum. A penalty rate, an annual fee line and a foreign transaction fee are not stated.

One important caveat sits on top of everything else here: the rate table in this filing covers more than one product. Figures shown on this page may belong to a sibling card in the same table rather than to this one, and only the PDF can settle which row applies.

How the purchase rate compares

Purchases price between 8.99% and 16.99% under this filing. The 8-point gap between the two is material, and nothing in the agreement indicates where a given account would land.

The floor of that band sits at about the 7th percentile of filed purchase rates; the ceiling sits at about the 21st. In corpus terms the same card can be cheap or expensive depending on how it is priced.

What a balance actually costs

Put $4,000 on the card and never reduce it, and twelve months of interest at the disclosed purchase rate comes to approximately $741.

Measured against the 21.99% corpus median, the same $4,000 costs approximately $243 less per year here.

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

Taking cash against the card means a cash advance APR of 11.99%.

The filing discloses a 11.99% balance transfer rate without an accompanying fee figure.

What a missed payment costs

On the fee side, a late payment can cost up to $15, which is around the 11th percentile here.

The no-interest path

Where interest applies at all, the filing bills at least $1. On a tiny balance that floor can dwarf the rate itself.

What is outside the disclosure

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

Reading the agreement yourself

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

In short

At 16.99% the purchase rate is close to ordinary for this corpus; nothing in the rate table sets this filing far apart from its peers. The multi-product table is the larger caveat: these numbers are the table's, not necessarily this card's.