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.
| Late payment fee | up to $20 |
|---|---|
| Foreign transaction fee | 1% |
| Cash advance fee | $1.00 or 1.00% of the amount of each |
| Grace period | 25 days |
| Network | Visa |
Analysis
High Point Federal Credit Union filed this agreement for VISA Disclosure 1 1 2025.
What the agreement puts on the record
This page covers the agreement High Point Federal Credit Union filed for VISA Disclosure 1 1 2025. The filing runs two pages, and It is issued on the Visa network.
The filing is explicit about 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.
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
Cash advances carry a cash advance fee of $1 or 1% of the advance, whichever is greater. Advances under roughly $100 are charged the flat $1; larger ones are charged 1%.
Spending abroad costs an extra 1% — about $15 on $1,500 of purchases, independent of interest.
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.
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.
The limits of this document
Absent from the captured terms: a purchase rate, balance transfer terms, an annual 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.
The issuer's other agreements
4 separate High Point Federal Credit Union filings appear in the corpus.
Go to the source
This summary stands or falls on the linked PDF — two pages. Agreements are amended over time, and the filing reflects the terms as submitted rather than as they stand today.
In short
Extraction confidence here is not high, so the conclusions above are provisional on the PDF agreeing with them.
The source document
This page is a reading of one document: the cardholder agreement High Point 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 High Point Federal Credit Union, not by us. We do not take applications and cannot say whether you would be approved.
Other cards from High Point Federal Credit Union
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VISA Disclosure
Agreement filed with the CFPB
- Foreign tx fee
- 1%
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.