CC Disclosure w agreement

On the record for CC Disclosure w agreement 01 01 26: a 17.99% purchase APR and no annual fee, filed by Mountain America Federal Credit Union. That purchase rate ranks near the 28th percentile across this corpus of 4,587 filings.

What the document actually states

CC Disclosure w agreement 01 01 26 is one of the agreements Mountain America Federal Credit Union has on file with the CFPB. The filing runs six pages, and It is issued on the Visa network.

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

The purchase APR against the corpus

17.99% puts the purchase APR near the 28th percentile across 2,280 agreements, so it comes in under the midpoint of the corpus.

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 the rate means in dollars

The purchase rate turns a $3,000 revolving balance into roughly $591 of annual interest.

Measured against the 21.99% corpus median, the same $3,000 costs approximately $146 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.

Where the fees are

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.

The filing sets a 1% foreign transaction fee, which adds roughly $15 to $1,500 spent outside the United States.

Default pricing

On the fee side, a late payment can cost up to $25, which is around the 32nd percentile here.

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

Against the rest of Mountain America Federal Credit Union's filings

This is one of 6 Mountain America Federal Credit Union agreements collected here. Across that lineup purchase rates span 17.99% to 18%; this filing's 17.99% sits above 0 of the comparable ones.

What you cannot learn from the filing

This page cannot tell you anything about cash advances 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.

Go to the source

The original filing, 6 pages long, is linked on this page and should be read before any figure here is acted on. It is also a snapshot: issuers refile as terms change.

In short

17.99% is an unexceptional purchase rate in this collection, and the rest of the terms follow the same pattern. The absence of an annual fee means the rate is the only thing that can make this card expensive.