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.
| Late payment fee | up to $25 |
|---|---|
| Foreign transaction fee | 2% |
| Cash advance fee | 3.00% of the amount of each |
| Grace period | 25 days |
| Network | Visa |
Analysis
Sikorsky Financial Credit Union filed this agreement for Visa Application Solicitation Disclosure 1 10 6 23.
What this filing discloses
What follows is drawn entirely from Sikorsky Financial Credit Union's CFPB filing for Visa Application Solicitation Disclosure 1 10 6 23. It is issued on the Visa network and the filing runs three pages.
On the record here: 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.
Parsing confidence here is medium, so treat the figures as indicative of the filing rather than a substitute for it.
What the card costs before you borrow
Taking cash against the card means a cash advance fee of 3%.
Spending abroad costs an extra 2% — about $30 on $1,500 of purchases, independent of interest.
Penalty pricing and late fees
Late payments are capped at $25 under this filing, about the 32nd percentile of late fee maximums in the corpus.
The no-interest path
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.
Against the rest of Sikorsky Financial Credit Union's filings
This is one of 9 Sikorsky Financial Credit Union agreements collected here.
The limits of this document
The disclosure parsed here does not state a purchase rate, balance transfer terms, an annual fee and penalty pricing. 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.
The document itself
The filed PDF is linked from this page and runs three pages. It is the authority for every figure summarised above; where this page and the document disagree, the document is right.
In short
All of this rests on figures read from the filing with less than full confidence, which is reason enough to check the document before relying on any of it.
The source document
This page is a reading of one document: the cardholder agreement Sikorsky Financial 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 Sikorsky Financial Credit Union, not by us. We do not take applications and cannot say whether you would be approved.
Other cards from Sikorsky Financial Credit Union
-
Visa Application Solicitation Disclosure
Agreement filed with the CFPB
- Foreign tx fee
- 2%
-
Visa Application Solicitation Disclosure
Agreement filed with the CFPB
- Foreign tx fee
- 2%
-
Visa Application Solicitation Disclosure 1
Agreement filed with the CFPB
- Foreign tx fee
- 2%
Where this card sits
Groups this agreement qualifies for, by its own disclosed terms:
Comparable cards from other issuers
Closest disclosed purchase APR among cards in the same groups.