Visa Credit Card Account Disclosure Generic eff

Visa Credit Card Account Disclosure Generic eff 12 10 2025, as filed by Peak Credit Union, carries a purchase APR of 12.75%–14.75%, a $25 annual fee and a 18% penalty rate. The purchase rate sits at roughly the 14th percentile of the 4,587 agreements indexed here.

What this filing discloses

This page covers the agreement Peak Credit Union filed for Visa Credit Card Account Disclosure Generic eff 12 10 2025. The filing runs one page, and It is issued on the Visa network.

The filing is explicit about a purchase rate, a cash advance rate, a balance transfer rate, a penalty rate and an annual fee line. It is silent on a foreign transaction fee.

Where the purchase APR sits

Purchases price between 12.75% and 14.75% under this filing. The 2-point gap between the two is material, and nothing in the agreement indicates where a given account would land.

Read against the index, the low end ranks around the 22nd percentile and the high end around the 14th — the band straddles a wide stretch of the market this corpus describes.

Because the rate is variable, the figure quoted is tied to an index and will drift with it. Nothing here is a fixed commitment.

The rate discussed in this section is the go-to rate — the one that applies once the promotional period described below has ended, not the promotional rate itself.

The arithmetic of revolving

Carry $5,000 on this card for a year without paying it down and the purchase rate alone generates roughly $794 in interest.

Measured against the 21.99% corpus median, the same $5,000 costs approximately $435 less per year here.

Broken down to a single thirty-day cycle, the same balance accrues roughly $60.97.

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.

The no-interest path

Anyone clearing the statement balance inside 21 days pays no purchase interest at all under this filing. That is shorter than the 25-day corpus median.

What a missed payment costs

The agreement discloses penalty pricing of 18% — about the 19th percentile of the 794 penalty rates recorded across this index.

A default therefore reprices the debt by 3.25 points: about $96 a year more on $2,500, for as long as the penalty rate stands.

Late payments are capped at $25 under this filing, about the 32nd percentile of late fee maximums in the corpus.

What the card costs before you borrow

Holding the card costs $25 a year before any transaction takes place — about the 78th percentile among agreements in this index that state a fee.

For scale, $25 is approximately what $169 of revolving balance would cost in interest over twelve months at this card's 14.75% rate.

The filing states the fee is waived for the first year, so the $25 is a second-year cost rather than an immediate one.

For cash advances the filing discloses a cash advance APR of 15.75%. Cash is therefore 1 points dearer than buying something with the card.

Transferred balances are priced at 9.75%; no separate transfer fee was captured from the filing.

Inside Peak Credit Union's filed lineup

There are 3 filings from Peak Credit Union in this index.

What is outside the disclosure

The disclosure parsed here does not state a foreign transaction fee. Those gaps are gaps in what could be read from the filing, and the PDF may well address them in prose the rate table does not capture.

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.

Reading the agreement yourself

The filed PDF is linked from this page and runs one page. It is the authority for every figure summarised above; where this page and the document disagree, the document is right.

In short

14.75% places this filing at the inexpensive end of the set, which is the headline here. Note that the $25 annual fee falls due whether the card is used or not.