Rates Disclosures Oct

Tucson Federal Credit Union's filed agreement for Rates Disclosures Oct 2025 discloses a purchase APR of 14.5%–17.25%, no annual fee and a 7.25% introductory rate. That purchase rate ranks near the 22nd percentile across this corpus of 4,587 filings.

What this filing discloses

Tucson Federal Credit Union filed this agreement for Rates Disclosures Oct 2025 with the Consumer Financial Protection Bureau. The filing runs eight pages, and It is issued on the Visa network.

Terms captured from the document include a purchase rate, a cash advance rate, a balance transfer rate, an annual fee line and a late payment maximum. No figure appears for a penalty rate.

One important caveat sits on top of everything else here: the rate table in this filing covers more than one product. Figures shown on this page may belong to a sibling card in the same table rather than to this one, and only the PDF can settle which row applies.

What the promotional rate is worth

For the first 12 months the filing sets a reduced rate of 7.25%. Balances still cost something during that window.

Among the 763 filings here that disclose an introductory rate, 7.25% sits at about the 90th percentile.

Once the introductory period ends the rate becomes 17.25%, which turns a lingering $3,000 balance into approximately $565 of annual interest.

How the purchase rate compares

The purchase APR is quoted as a range of 14.5% to 17.25%. That 2.75-point spread is the whole of what the filing commits to; the method for assigning a rate inside it is not in the document.

Read against the index, the low end ranks around the 30th percentile and the high end around the 22nd — the band straddles a wide stretch of the market this corpus describes.

The filing marks this rate as variable, which means it moves with the index the agreement names rather than staying where it is quoted today.

This figure is the post-promotional rate. The introductory pricing is handled separately further down.

What the rate means in dollars

Put $1,500 on the card and never reduce it, and twelve months of interest at the disclosed purchase rate comes to approximately $282.

Priced at the median of 21.99%, that balance would generate about $369 in a year — so this agreement comes in around $86 cheaper for the same debt.

Month to month it reads as about $21.41 per cycle on that balance.

That maths assumes a static balance and nothing else — no payments, no additional purchases, no fees folded in.

The grace period

The filing gives 25 days' grace on purchases, meaning a statement balance paid in full within that window attracts no interest. That matches the 25-day median across the corpus almost exactly.

When a payment is late

$30 is the disclosed ceiling on a late payment fee, placing it near the 49th percentile of the set.

Where the fees are

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.

For cash advances the filing discloses a cash advance APR of 14.5%. The grace period described below generally does not extend to cash advances, so interest on them usually begins immediately.

The filing discloses a 14.5% balance transfer rate without an accompanying fee figure.

The filing sets a 1% foreign transaction fee, which adds roughly $50 to $5,000 spent outside the United States.

How it sits in the issuer's own range

19 separate Tucson Federal Credit Union filings appear in the corpus. The issuer's own range is 2.99%–18%. At 17.25%, this agreement is dearer than 3 of its siblings.

What you cannot learn from the filing

This page cannot tell you penalty pricing, because the filing's disclosure table as read does not contain it.

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

Everything here is a reading of the filed agreement, eight pages of it, which is linked above and which governs. Terms also change between filings, so the date on the document matters.

In short

17.25% is an unexceptional purchase rate in this collection, and the rest of the terms follow the same pattern. The absence of an annual fee means the rate is the only thing that can make this card expensive. The multi-product table is the larger caveat: these numbers are the table's, not necessarily this card's.