Hue75mf D 0724 (afti)

First Savings Bank's filed agreement for Hue75mf D 0724 (afti) discloses a 29.9% purchase APR and a $75 annual fee. Against the 4,587 filings on this site, that rate lands around the 72nd percentile.

What the agreement puts on the record

First Savings Bank submitted the terms for Hue75mf D 0724 (afti) to the CFPB's agreement database; this is what they contain. It is issued on the Mastercard network and the filing runs five pages.

The filing is explicit about a purchase rate, a cash advance rate, an annual fee line, a late payment maximum and a grace period. A balance transfer rate, a penalty rate and a foreign transaction fee are not stated.

The purchase rate in context

29.9% puts the purchase APR near the 72nd percentile across 2,280 agreements, so it comes in above the median.

The arithmetic of revolving

The purchase rate turns a $2,000 revolving balance into roughly $697 of annual interest.

The median purchase rate across the corpus is 21.99%; the same balance there would cost about $492. The gap — roughly $205 a year on $2,000 — is the price of this particular filing over a typical one.

Per statement cycle that is on the order of $49.74 on $2,000, 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 grace period

Purchases carry a 25-day grace period: pay the statement in full inside it and the purchase rate never applies. That matches the 25-day median across the corpus almost exactly.

The filing sets the minimum interest charge at zero — small balances are not rounded up to a floor.

When a payment is late

Late payments are capped at $25 under this filing, about the 32nd percentile of late fee maximums in the corpus.

The fee structure

Holding the card costs $75 a year before any transaction takes place — about the 90th percentile among agreements in this index that state a fee.

For scale, $75 is approximately what $251 of revolving balance would cost in interest over twelve months at this card's 29.9% rate.

Cash advances carry a cash advance fee of 2% and a cash advance APR of 29.9%.

Inside First Savings Bank's filed lineup

This is one of 6 First Savings Bank agreements collected here. The issuer's own range is 18.4%–29.9%. At 29.9%, this agreement is dearer than 1 of its siblings.

What you cannot learn from the filing

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

It is worth being explicit about scope: these filings record terms and pricing. They say nothing about rewards programmes, cardholder benefits, promotional offers or who the issuer will approve, and this review does not speculate about any of it.

Where the authority sits

The filed PDF is linked from this page and runs five pages. It is the authority for every figure summarised above; where this page and the document disagree, the document is right.

In short

At 29.9% the purchase rate is close to ordinary for this corpus; nothing in the rate table sets this filing far apart from its peers. The $75 annual fee is charged regardless of use, so it is a cost that applies even to an account that never revolves.