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.
| Annual fee | $0 |
|---|---|
| Late payment fee | up to $25 |
| Foreign transaction fee | 1% |
| Grace period | 21 days |
| Minimum interest charge | $0 |
| Network | Visa |
Analysis
On the record for Non Intro Disclosure & CC Agreement 12152025: no annual fee, filed by Srp Federal Credit Union.
What the agreement puts on the record
What follows is drawn entirely from Srp Federal Credit Union's CFPB filing for Non Intro Disclosure & CC Agreement 12152025. The filing runs six pages, and It is issued on the Visa network.
On the record here: an annual fee line, a late payment maximum, a foreign transaction fee and a grace period. It is silent on a purchase rate, a cash advance rate and a balance transfer rate.
These figures carry medium extraction confidence — they are reproduced as read from the filing, which remains the authority.
The fee structure
No annual fee appears in the filing, in line with the roughly 75% of disclosing agreements in this index that charge nothing to hold the card.
The filing sets a 1% foreign transaction fee, which adds roughly $30 to $3,000 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.
The grace period
21 days is the disclosed grace period for purchases — the interval in which paying in full costs nothing. That is shorter than the 25-day corpus median.
No minimum interest charge is imposed, so a cycle that accrues a few cents of interest is billed a few cents.
What you cannot learn from the filing
Absent from the captured terms: a purchase rate, anything about cash advances, balance transfer terms and penalty pricing. The original document is the place to look for any of these.
An agreement filing is not a marketing document. Rewards, perks, welcome offers and eligibility rules are not in it, are not in this dataset, and are therefore not discussed anywhere on this page.
Reading the agreement yourself
The filed PDF is linked from this page and runs six 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 Srp Federal 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 Srp Federal Credit Union, not by us. We do not take applications and cannot say whether you would be approved.
Other cards from Srp Federal Credit Union
-
Intro Disclosure & CC Agreement
Agreement filed with the CFPB
- Purchase APR
- 1.99%
- Annual fee
- $0
- Intro APR
- 1.99%
- Foreign tx fee
- 1%
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.