Visa tabular

On the record for Visa tabular: a purchase APR of 15.24%–26.49%, filed by United Consumers Credit Union. Against the 4,587 filings on this site, that rate lands around the 63rd percentile.

The disclosed terms

United Consumers Credit Union submitted the terms for Visa tabular to the CFPB's agreement database; this is what they contain. It is issued on the Visa network and the filing runs two pages.

The filing is explicit about a purchase rate, a cash advance rate, a balance transfer rate, a late payment maximum and a foreign transaction fee. No figure appears for a penalty rate and an annual fee line.

This document discloses several products inside a single rate table. That means the numbers below are the ones the table contains, not necessarily the ones attached to this particular card — the filing itself is the only way to tell them apart.

The purchase APR against the corpus

Rather than a single purchase rate, the document gives a band — 15.24% at the bottom, 26.49% at the top, 11.25 points wide. The agreement discloses the range without disclosing how an account is placed within it.

Those two numbers occupy very different places in the corpus: roughly the 35th percentile at the bottom and the 63rd at the top.

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.

The cost of carrying a balance

Put $1,500 on the card and never reduce it, and twelve months of interest at the disclosed purchase rate comes to approximately $455.

A card priced at the corpus median of 21.99% would charge roughly $369 on that balance. This one charges about $86 more per year.

Month to month it reads as about $33 per cycle on that balance.

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

Default pricing

$25 is the disclosed ceiling on a late payment fee, placing it near the 32nd percentile of the set.

Charges beyond interest

Cash advances carry a cash advance fee of $5 or 2% of the advance, whichever is greater and a cash advance APR of 15.24%. Cash advances also tend to fall outside any grace period, which means interest typically starts on day one rather than at the end of a billing cycle.

Transferred balances are priced at 15.24%; no separate transfer fee was captured from the filing.

The foreign transaction fee is zero — a minority position in this corpus, where roughly 22% of disclosing filings waive it.

The grace period

25 days is the disclosed grace period for purchases — the interval in which paying in full costs nothing. That matches the 25-day median across the corpus almost exactly.

The $1 minimum interest charge means the effective cost of carrying a very small balance is far higher than the quoted APR implies.

Inside United Consumers Credit Union's filed lineup

This is one of 3 United Consumers Credit Union agreements collected here.

What you cannot learn from the filing

This page cannot tell you an annual fee and penalty pricing, because the filing's disclosure table as read does not contain them.

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.

Where the authority sits

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

In short

The pricing here is middling by the standards of the index — 26.49% on purchases is near enough to typical. And because the filing covers several products in one table, even the figures that are right may belong to a different card.