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 $20 |
| Foreign transaction fee | 1% |
| Cash advance fee | 3.00% of the amount of each |
| Balance transfer fee | 3.00% of the amount of each |
| Grace period | 25 days |
| Network | Visa |
Analysis
Fond Du Lac Credit Union's filed agreement for Visa Account Opening Disclosure, Application, and Agreement discloses no annual fee.
What the agreement puts on the record
Visa Account Opening Disclosure, Application, and Agreement is one of the agreements Fond Du Lac Credit Union has on file with the CFPB. It is issued on the Visa network and the filing runs ten pages.
On the record here: an annual fee line, a late payment maximum, a foreign transaction fee and a grace period. No figure appears for a purchase rate, a cash advance rate and a balance transfer rate.
The disclosure table in this document parsed only moderately cleanly; the numbers are reported as read, with that caveat attached.
Grace period and minimum charge
Anyone clearing the statement balance inside 25 days pays no purchase interest at all under this filing. That matches the 25-day median across the corpus almost exactly.
What a missed payment costs
Late payments are capped at $20 under this filing, about the 17th percentile of late fee maximums in the corpus.
What the card costs before you borrow
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.
Cash advances carry a cash advance fee of 3%.
Transfers are charged 3% of the amount transferred, though no distinct transfer APR appears in the document. On $3,000 that fee is about $90 before any interest is charged.
Foreign transactions attract 1%. On $1,500 of overseas spending that is $15, charged on top of whatever exchange rate applies.
What the filing does not tell you
This page cannot tell you a purchase rate 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
This summary stands or falls on the linked PDF — ten pages. Agreements are amended over time, and the filing reflects the terms as submitted rather than as they stand today.
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 Fond Du Lac 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 Fond Du Lac Credit Union, not by us. We do not take applications and cannot say whether you would be approved.
Other cards from Fond Du Lac Credit Union
This is the only agreement from Fond Du Lac Credit Union in the database with enough disclosed terms to publish. See the issuer's full filing list.
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.