Visa Credit Card Rate Sheet and Initial Disclosure

Unitus Community Credit Union's filed agreement for Visa Credit Card Rate Sheet and Initial Disclosure discloses a 7.99% purchase APR and no annual fee. Against the 4,587 filings on this site, that rate lands around the 3rd percentile.

On the face of the filing

Unitus Community Credit Union submitted the terms for Visa Credit Card Rate Sheet and Initial Disclosure to the CFPB's agreement database; this is what they contain. The filing runs one page, and It is issued on the Visa network.

On the record here: a purchase rate, an annual fee line, a late payment maximum and a foreign transaction fee. It is silent on a cash advance rate, a balance transfer rate and 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.

The purchase APR against the corpus

Measured against every other filing on the site, 7.99% is about the 3rd percentile for purchase APR; it sits in the bottom few percent of everything filed.

This is disclosed as a variable rate. The number above is a snapshot: it tracks an index, so it changes without the agreement being amended.

What a balance actually costs

Carry $2,000 on this card for a year without paying it down and the purchase rate alone generates roughly $166 in interest.

Measured against the 21.99% corpus median, the same $2,000 costs approximately $325 less per year here.

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

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.

Spending abroad costs an extra 2% — about $20 on $1,000 of purchases, independent of interest.

What a missed payment costs

No penalty APR appears in this filing by design — the document says there is none, which removes the single largest cost of a missed payment in most agreements here.

The maximum late fee is $20 — roughly the 17th percentile of the late fee ceilings disclosed across this index.

What is outside the disclosure

This page cannot tell you balance transfer terms and a grace period, because the filing's disclosure table as read does not contain them.

What this analysis can address is bounded by the filing: rates, fees and the terms around them. Everything a card issuer might advertise — rewards, benefits, bonuses, who qualifies — falls outside the document and outside this review.

Go to the source

The original filing, 1 page long, is linked on this page and should be read before any figure here is acted on. It is also a snapshot: issuers refile as terms change.

In short

7.99% places this filing at the inexpensive end of the set, which is the headline here. Because there is no annual fee, everything depends on the revolving behaviour: used as a payment instrument and cleared monthly, this agreement costs nothing. And because the filing covers several products in one table, even the figures that are right may belong to a different card.