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.
| Purchase APR | 9.9%–17.9% |
|---|---|
| Balance transfer APR | 11.9% |
| Annual fee | $0 |
| Late payment fee | up to $25 |
| Foreign transaction fee | None |
| Cash advance fee | None |
| Balance transfer fee | None |
| Grace period | 25 days |
Analysis
On the record for G 10 (B) Application and Solicitation Disclosure 01012020: a purchase APR of 9.9%–17.9% and no annual fee, filed by Suncoast Credit Union. That purchase rate ranks near the 24th percentile across this corpus of 4,587 filings.
What the document actually states
The document behind this page is Suncoast Credit Union's filed agreement for G 10 (B) Application and Solicitation Disclosure 01012020. The filing runs one page.
On the record here: a purchase rate, a balance transfer rate, an annual fee line, a late payment maximum and a foreign transaction fee. No figure appears for a cash advance rate and a penalty rate.
How the purchase rate compares
Purchases price between 9.9% and 17.9% under this filing. The 8-point gap between the two is material, and nothing in the agreement indicates where a given account would land.
The floor of that band sits at about the 10th percentile of filed purchase rates; the ceiling sits at about the 24th. In corpus terms the same card can be cheap or expensive depending on how it is priced.
The arithmetic of revolving
At the disclosed purchase APR, $1,500 revolving for a full year costs something like $294 in interest.
Measured against the 21.99% corpus median, the same $1,500 costs approximately $75 less per year here.
Broken down to a single thirty-day cycle, the same balance accrues roughly $22.23.
Treat this as an illustration of what the disclosed rate does, not as a projection of a real account, which would be shaped by payments and by the fees described elsewhere in the filing.
What the card costs before you borrow
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 discloses a 11.9% balance transfer rate without an accompanying fee figure.
The foreign transaction fee is zero — a minority position in this corpus, where roughly 22% of disclosing filings waive it.
When a payment is late
On the fee side, a late payment can cost up to $25, which is around the 32nd 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.
How it sits in the issuer's own range
Suncoast Credit Union has 3 agreements indexed on this site.
What is outside the disclosure
This page cannot tell you penalty pricing, because the filing's disclosure table as read does not contain it.
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.
The document itself
Everything here is a reading of the filed agreement, one page of it, which is linked above and which governs. Terms also change between filings, so the date on the document matters.
In short
17.9% is an unexceptional purchase rate in this collection, and the rest of the terms follow the same pattern.
The source document
This page is a reading of one document: the cardholder agreement Suncoast 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 Suncoast Credit Union, not by us. We do not take applications and cannot say whether you would be approved.
Other cards from Suncoast Credit Union
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Credit Card Rates and Fees
Agreement filed with the CFPB
- Purchase APR
- 9.9%–17.9%
- Annual fee
- $0
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.