All Cards Credit Card Agreement & Disclosure

Hawaii State Federal Credit Union's filed agreement for All Cards Credit Card Agreement & Disclosure 10 10 25 discloses no annual fee.

What the agreement puts on the record

All Cards Credit Card Agreement & Disclosure 10 10 25 is one of the agreements Hawaii State Federal Credit Union has on file with the CFPB. It is issued on the Visa network and the filing runs 16 pages.

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

Parsing confidence here is medium, so treat the figures as indicative of the filing rather than a substitute for it.

The grace period

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.

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

When a payment is late

The maximum late fee is $28 — roughly the 46th percentile of the late fee ceilings disclosed across this index.

Where the fees are

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.

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.

Inside Hawaii State Federal Credit Union's filed lineup

Hawaii State Federal Credit Union has 5 agreements indexed on this site. Their disclosed purchase rates run from 14.9% to 18%, though this particular filing does not state one in comparable form.

What is outside the disclosure

This page cannot tell you a purchase rate and penalty pricing, because the filing's disclosure table as read does not contain them.

What this analysis can address is bounded by the filing: rates, fees and the terms around them. Everything a card issuer might advertise — rewards, benefits, bonuses, who qualifies — falls outside the document and outside this review.

Where the authority sits

This summary stands or falls on the linked PDF — 16 pages. Agreements are amended over time, and the filing reflects the terms as submitted rather than as they stand today.

In short

Given the parsing confidence on this filing, read the agreement itself before treating any of these figures as settled.