VisaPlatinum Credit Card Account Disc Agreement FirstCommCU

On the record for VisaPlatinum Credit Card Account Disc Agreement FirstCommCU 09 02 2025: a purchase APR of 7.9%–16.9% and no annual fee, filed by First Community Credit Union. The purchase rate sits at roughly the 20th percentile of the 4,587 agreements indexed here.

What the agreement puts on the record

This page covers the agreement First Community Credit Union filed for VisaPlatinum Credit Card Account Disc Agreement FirstCommCU 09 02 2025. It is issued on the Visa network and the filing runs five pages.

On the record here: a purchase rate, an annual fee line, a late payment maximum and a grace period. No figure appears for a cash advance rate, a balance transfer rate and a penalty rate.

Confidence in the parse of this filing is moderate rather than high, so the figures below are best checked against the original.

Where the purchase APR sits

Purchases price between 7.9% and 16.9% under this filing. The 9-point gap between the two is material, and nothing in the agreement indicates where a given account would land.

Read against the index, the low end ranks around the 4th percentile and the high end around the 20th — the band straddles a wide stretch of the market this corpus describes.

Translating the rate into money

Carry $1,000 on this card for a year without paying it down and the purchase rate alone generates roughly $184 in interest.

Measured against the 21.99% corpus median, the same $1,000 costs approximately $62 less per year here.

Per statement cycle that is on the order of $13.98 on $1,000, which is the number that actually shows up on a bill.

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

The no-interest path

25 days is the disclosed grace period for purchases — the interval in which paying in full costs nothing. That matches the 25-day median across the corpus almost exactly.

What a missed payment costs

The maximum late fee is $10 — roughly the 6th percentile of the late fee ceilings disclosed across this index.

The fee structure

The annual fee is $0. Roughly 75% of filings here that state a fee state zero, so the absence of one is unremarkable in this market.

How it sits in the issuer's own range

There are 5 filings from First Community Credit Union in this index. Across that lineup purchase rates span 7.9% to 20.9%; this filing's 16.9% sits above 1 of the comparable ones.

The limits of this document

Absent from the captured terms: anything about cash advances, balance transfer terms, a foreign transaction fee and penalty pricing. The original document is the place to look for any of these.

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

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

At 16.9% the purchase rate is low relative to this corpus, which is the clearest thing the filing has going for it on cost. Because there is no annual fee, everything depends on the revolving behaviour: used as a payment instrument and cleared monthly, this agreement costs nothing. Given the parsing confidence on this filing, read the agreement itself before treating any of these figures as settled.