CFPB Combine CHA and Pricing Disclosure

On the record for CFPB Combine CHA and Pricing Disclosure 03162026: a purchase APR of 13.65%–14.65%, no annual fee and a 18% penalty rate, filed by Fourleaf Federal Credit Union. That purchase rate ranks near the 13th percentile across this corpus of 4,587 filings.

What the agreement puts on the record

This page covers the agreement Fourleaf Federal Credit Union filed for CFPB Combine CHA and Pricing Disclosure 03162026. The filing runs ten pages, and It is issued on the Mastercard network.

On the record here: a purchase rate, a cash advance rate, a penalty rate, an annual fee line and a foreign transaction fee. It is silent on a balance transfer rate and a late payment maximum.

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.

Where the purchase APR sits

This is a tiered agreement: the filing discloses a purchase APR anywhere from 13.65% to 14.65%, a spread of 1 percentage points. Which end of that band applies is set by the issuer at account opening and the filing does not say how.

Read against the index, the low end ranks around the 25th percentile and the high end around the 13th — the band straddles a wide stretch of the market this corpus describes.

The agreement labels the purchase rate variable, so the quoted figure reflects the index at the time of filing rather than a locked-in price.

What a balance actually costs

Put $1,200 on the card and never reduce it, and twelve months of interest at the disclosed purchase rate comes to approximately $189.

Measured against the 21.99% corpus median, the same $1,200 costs approximately $106 less per year here.

These figures are arithmetic on the disclosed rate, not a quote: they assume the balance is never reduced, ignore any payments, and take no account of fees charged separately.

Penalty pricing and late fees

The agreement discloses penalty pricing of 18% — about the 19th percentile of the 794 penalty rates recorded across this index.

A default therefore reprices the debt by 3.35 points: about $79 a year more on $2,000, for as long as the penalty rate stands.

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.

Taking cash against the card means a cash advance APR of 13.65%. The grace period described below generally does not extend to cash advances, so interest on them usually begins immediately.

No foreign transaction fee is charged, which puts this filing in the roughly 22% of disclosing agreements here that do not take a cut of overseas spending.

Paying in full

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.

What the filing does not tell you

Absent from the captured terms: balance transfer terms. The original document is the place to look for any of these.

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.

Where the authority sits

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

At 14.65% the purchase rate is low relative to this corpus, which is the clearest thing the filing has going for it on cost. And because the filing covers several products in one table, even the figures that are right may belong to a different card.