Huntington Secured Card Pricing Schedule

The Huntington Secured Card Pricing Schedule filing from Huntington National Bank, the sets out a 26.49% purchase APR and no annual fee. Against the 4,587 filings on this site, that rate lands around the 63rd percentile.

On the face of the filing

What follows is drawn entirely from Huntington National Bank, the's CFPB filing for Huntington Secured Card Pricing Schedule. The filing runs one page.

The disclosure covers a purchase rate, a cash advance rate, a balance transfer rate, an annual fee line and a late payment maximum. No figure appears for a penalty rate and a foreign transaction fee.

A secured agreement

The product name identifies this as a secured card, which means the account is backed by a deposit the cardholder provides. The filing indexed here discloses rates and fees; it is the agreement text that governs how the deposit is held, when it is applied and under what conditions it is returned.

It is worth noting that collateral does not automatically mean a cheap rate: at 26.49%, this filing's purchase APR still sits at about the 63rd percentile of the whole corpus, secured and unsecured filings alike.

The purchase APR against the corpus

The purchase APR of 26.49% places this agreement around the 63rd percentile of the set — it comes in above the median.

This is disclosed as a variable rate. The number above is a snapshot: it tracks an index, so it changes without the agreement being amended.

What a balance actually costs

A $2,000 balance left untouched for twelve months accrues about $606 in interest at this purchase rate.

The median purchase rate across the corpus is 21.99%; the same balance there would cost about $492. The gap — roughly $115 a year on $2,000 — is the price of this particular filing over a typical one.

Small balances do not get a proportionally small bill — the agreement imposes a $1 minimum interest charge in any month where interest applies.

That maths assumes a static balance and nothing else — no payments, no additional purchases, no fees folded in.

What the card costs before you borrow

There is no annual fee. That is the common case in this corpus — about 75% of the filings that disclose an annual fee at all disclose it as $0 — so it is a baseline expectation rather than a distinguishing feature.

Cash advances carry a cash advance fee of $10 or 5% of the advance, whichever is greater and a cash advance APR of 27.49%. Cash is therefore 1 points dearer than buying something with the card. $200 is the crossover point where the percentage overtakes the $10 minimum. The grace period described below generally does not extend to cash advances, so interest on them usually begins immediately.

The transfer fee is $10 or 3% of the amount transferred, whichever is greater; transferred balances then run at 26.49%. On $1,000 that fee is about $30 before any interest is charged.

The no-interest path

21 days is the disclosed grace period for purchases — the interval in which paying in full costs nothing. That is shorter than the 25-day corpus median.

A minimum interest charge of $1 applies in any cycle where interest is due, which makes very small revolving balances disproportionately expensive.

When a payment is late

Late payments are capped at $41 under this filing, about the 89th percentile of late fee maximums in the corpus.

Against the rest of Huntington National Bank, the's filings

This is one of 38 Huntington National Bank, the agreements collected here. Their disclosed purchase rates run from 12.24% to 30.74%, and this one at 26.49% is more expensive than 16 of them.

What you cannot learn from the filing

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

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.

Where the authority sits

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

In short

At 26.49% the purchase rate is close to ordinary for this corpus; nothing in the rate table sets this filing far apart from its peers. With no annual fee, the cost of the account is entirely a function of whether a balance is carried.