Premier Rewards CC Account Opening Disclosure

The Premier Rewards CC Account Opening Disclosure filing from Idaho Central Credit Union sets out a 17.99% purchase APR and a 12.99% introductory rate. Against the 4,587 filings on this site, that rate lands around the 28th percentile.

What the agreement puts on the record

This page covers the agreement Idaho Central Credit Union filed for Premier Rewards CC Account Opening Disclosure. The filing runs two pages.

On the record here: a purchase rate, a cash advance rate, a balance transfer rate and a grace period. No figure appears for a penalty rate, an annual fee line and a late payment maximum.

The purchase rate was taken from a row the filing did not clearly label, so there is some risk it describes a different balance type.

What the promotional rate is worth

For the first six months the filing sets a reduced rate of 12.99%. Balances still cost something during that window.

Among the 763 filings here that disclose an introductory rate, 12.99% sits at about the 93rd percentile.

The go-to rate is 17.99%. Any balance still outstanding when the promotion lapses starts accruing at that figure — about $394 a year on $2,000.

Where the purchase APR sits

Measured against every other filing on the site, 17.99% is about the 28th percentile for purchase APR; it undercuts the typical filing.

What a balance actually costs

A $1,500 balance left untouched for twelve months accrues about $296 in interest at this purchase rate.

Measured against the 21.99% corpus median, the same $1,500 costs approximately $73 less per year here.

Broken down to a single thirty-day cycle, the same balance accrues roughly $22.34.

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.

What the card costs before you borrow

Taking cash against the card means a cash advance APR of 12.99%. Cash advances also tend to fall outside any grace period, which means interest typically starts on day one rather than at the end of a billing cycle.

The filing discloses a 12.99% balance transfer rate without an accompanying fee figure.

Paying in full

21 days is the disclosed grace period for purchases — the interval in which paying in full costs nothing. The typical filing here allows 25 days, so this one is tighter than most.

The issuer's other agreements

This is one of 11 Idaho Central Credit Union agreements collected here. Across that lineup purchase rates span 17.99% to 24%; this filing's 17.99% sits above 0 of the comparable ones.

What you cannot learn from the filing

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

More broadly, a CFPB agreement filing is a legal and pricing document. It does not describe rewards, benefits, sign-up offers, eligibility or approval criteria, and nothing of that kind has been inferred on this page. Where a card has features of that sort, they live outside this document entirely.

Where the authority sits

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

The pricing here is middling by the standards of the index — 17.99% on purchases is near enough to typical.