Credit Card Agreement and Disclosure DUNS077145902 VANTAGE CU

Credit Card Agreement and Disclosure DUNS077145902 VANTAGE CU, as filed by Vantage Credit Union, carries a purchase APR of 14.99%–21.99% and a 32.74% penalty rate. The purchase rate sits at roughly the 49th percentile of the 4,587 agreements indexed here.

What the document actually states

What follows is drawn entirely from Vantage Credit Union's CFPB filing for Credit Card Agreement and Disclosure DUNS077145902 VANTAGE CU. The filing runs six pages, and It is issued on the Mastercard network.

The disclosure covers a purchase rate, a penalty rate, a late payment maximum, a foreign transaction fee and a grace period. It is silent on a cash advance rate, a balance transfer rate and an annual fee line.

The purchase APR against the corpus

Rather than a single purchase rate, the document gives a band — 14.99% at the bottom, 21.99% at the top, 7 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 33rd percentile at the bottom and the 49th 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.

What the rate means in dollars

The purchase rate turns a $3,000 revolving balance into roughly $738 of annual interest.

The corpus median of 21.99% produces practically the same bill, so on carrying cost this card is unremarkable.

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.

The downside terms

The agreement discloses penalty pricing of 32.74% — about the 68th percentile of the 794 penalty rates recorded across this index.

Measured in money, moving from 21.99% to 32.74% costs an extra $424 or so annually on $3,000 — a far larger number than any single late fee.

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

Charges beyond interest

Spending abroad costs an extra 1% — about $10 on $1,000 of purchases, independent of interest.

Grace period and minimum charge

Purchases carry a 21-day grace period: pay the statement in full inside it and the purchase rate never applies. With a corpus median of 25 days, this window is narrower than the norm.

Against the rest of Vantage Credit Union's filings

There are 19 filings from Vantage Credit Union in this index. The issuer's own range is 17.49%–22.74%. At 21.99%, this agreement is dearer than 7 of its siblings.

What is outside the disclosure

The disclosure parsed here does not state anything about cash advances, balance transfer terms and an annual fee. Those gaps are gaps in what could be read from the filing, and the PDF may well address them in prose the rate table does not capture.

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, six pages of it, which is linked above and which governs. Terms also change between filings, so the date on the document matters.

In short

At 21.99% the purchase rate is close to ordinary for this corpus; nothing in the rate table sets this filing far apart from its peers.