Before you read the numbers.
This agreement prices the card as the Prime Rate plus a margin rather than as a fixed APR. The figure shown is that margin in percentage points, not an APR. The rate actually charged moves whenever Prime moves, so the cost of carrying a balance changes without the issuer amending the agreement.
The purchase rate was read from a row the document did not label explicitly, so it carries more uncertainty than the other figures here.
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.
| Penalty APR | 18% |
|---|---|
| Annual fee | $0 |
| Late payment fee | up to $15 |
| Foreign transaction fee | None |
| Cash advance fee | None |
| Balance transfer fee | None |
| Grace period | 25 days |
| Network | Visa |
Analysis
The CSFA Visa Pricing Addendum 10 30 25 filing quotes margins over Prime instead of finished rates. What that leaves knowable — and what it does not — is the subject of this analysis.
What the document actually states
San Francisco Fire Credit Union submitted the terms for CSFA Visa Pricing Addendum 10 30 25 to the CFPB's agreement database; this is what they contain. It is issued on the Visa network and the filing runs one page.
The disclosure covers a penalty rate, an annual fee line, 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.
Confidence in the parse of this filing is moderate rather than high, so the figures below are best checked against the original.
Note that the purchase APR row in this table carries no explicit label in the filing, which introduces some ambiguity about what it covers.
How this filing expresses its pricing
The rate figures in this agreement are expressed as margins over the Prime Rate rather than as absolute APRs. A margin is not a rate: the rate is the margin plus whatever Prime happens to be.
As read from the document: 18 points for penalty pricing.
No cost illustration appears in this section for a reason: multiplying a margin by a balance produces a meaningless number. The real rate is Prime plus the margin, and Prime is not in this document.
The disclosure table in this document parsed only moderately cleanly; the numbers are reported as read, with that caveat attached.
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.
No foreign transaction fee is charged, which puts this filing in the roughly 22% of disclosing agreements here that do not take a cut of overseas spending.
The downside terms
On the fee side, a late payment can cost up to $15, which is around the 11th percentile here.
Grace period and minimum charge
Purchases carry a 25-day grace period: pay the statement in full inside it and the purchase rate never applies. That matches the 25-day median across the corpus almost exactly.
How it sits in the issuer's own range
This is one of 4 San Francisco Fire Credit Union agreements collected here.
What you cannot learn from the filing
This page cannot tell you a purchase rate, because the filing's disclosure table as read does not contain it.
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, 1 page 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
Margins over Prime make this agreement legible but not priceable from the document alone. Treat the figures above as structure, and look up the current Prime Rate before drawing conclusions.
The source document
This page is a reading of one document: the cardholder agreement San Francisco Fire 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 San Francisco Fire Credit Union, not by us. We do not take applications and cannot say whether you would be approved.
Other cards from San Francisco Fire Credit Union
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Visa Pricing Addendeum
Agreement filed with the CFPB
- Annual fee
- $0
- Foreign tx fee
- None
Where this card sits
Groups this agreement qualifies for, by its own disclosed terms:
Comparable cards from other issuers
Closest disclosed margin over Prime among cards in the same groups.