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.
| Annual fee | $0 |
|---|---|
| Late payment fee | up to $35 |
| Foreign transaction fee | None |
| Cash advance fee | None |
| Balance transfer fee | None |
| Minimum interest charge | $0 |
| Network | Visa |
Analysis
The Visa Disclosure Q1 2026 filing from First Technology Federal Credit Union sets out no annual fee.
What the agreement puts on the record
Visa Disclosure Q1 2026 is one of the agreements First Technology Federal Credit Union has on file with the CFPB. It is issued on the Visa network and the filing runs 13 pages.
The filing is explicit about an annual fee line, a late payment maximum and a foreign transaction fee. A purchase rate, a cash advance rate and a balance transfer rate are not stated.
These figures carry medium extraction confidence — they are reproduced as read from the filing, which remains the authority.
What the card costs before you borrow
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.
The foreign transaction fee is zero — a minority position in this corpus, where roughly 22% of disclosing filings waive it.
What a missed payment costs
$35 is the disclosed ceiling on a late payment fee, placing it near the 54th percentile of the set.
Grace period and minimum charge
No minimum interest charge is imposed, so a cycle that accrues a few cents of interest is billed a few cents.
Inside First Technology Federal Credit Union's filed lineup
12 separate First Technology Federal Credit Union filings appear in the corpus.
The limits of this document
This page cannot tell you a purchase rate, a grace period and penalty pricing, because the filing's disclosure table as read does not contain them.
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.
Reading the agreement yourself
The filed PDF is linked from this page and runs 13 pages. It is the authority for every figure summarised above; where this page and the document disagree, the document is right.
In short
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.
The source document
This page is a reading of one document: the cardholder agreement First Technology Federal 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 First Technology Federal Credit Union, not by us. We do not take applications and cannot say whether you would be approved.
Other cards from First Technology Federal Credit Union
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Visa Secured Disclosure Q1
Agreement filed with the CFPB
- Annual fee
- $0
- Foreign tx fee
- None
All 12 agreements from First Technology Federal Credit Union
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.