VP VE Combined Opening Disclosures 06

On the record for VP VE Combined Opening Disclosures 06 2025: a purchase APR of 15%–18% and no annual fee, filed by Visions Federal Credit Union. Against the 4,587 filings on this site, that rate lands around the 34th percentile.

On the face of the filing

This page covers the agreement Visions Federal Credit Union filed for VP VE Combined Opening Disclosures 06 2025. It is issued on the Visa network and the filing runs ten pages.

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.

Pricing the purchase rate

Rather than a single purchase rate, the document gives a band — 15% at the bottom, 18% at the top, 3 points wide. The agreement discloses the range without disclosing how an account is placed within it.

The floor of that band sits at about the 34th percentile of filed purchase rates; the ceiling sits at about the 34th. In corpus terms the same card can be cheap or expensive depending on how it is priced.

The agreement labels the purchase rate variable, so the quoted figure reflects the index at the time of filing rather than a locked-in price.

What a balance actually costs

Carry $4,000 on this card for a year without paying it down and the purchase rate alone generates roughly $789 in interest.

The corpus median purchase rate is 21.99%, which on the same $4,000 would cost about $983 a year. This filing saves roughly $195 annually against that benchmark.

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

The annual fee is $0. Roughly 75% of filings here that state a fee state zero, so the absence of one is unremarkable in this market.

For cash advances the filing discloses a cash advance APR of 15%. The grace period described below generally does not extend to cash advances, so interest on them usually begins immediately.

Transferred balances are priced at 15%; no separate transfer fee was captured from the filing.

No foreign transaction fee is charged, which puts this filing in the roughly 22% of disclosing agreements here that do not take a cut of overseas spending.

When a payment is late

Late payments are capped at $20 under this filing, about the 17th percentile of late fee maximums in the corpus.

Paying in full

Purchases carry a 28-day grace period: pay the statement in full inside it and the purchase rate never applies. That is longer than the corpus median of 25 days.

What you cannot learn from the filing

Absent from the captured terms: penalty pricing. The original document is the place to look for any of these.

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.

Against the rest of Visions Federal Credit Union's filings

There are 13 filings from Visions Federal Credit Union in this index. Every one of the others that discloses a purchase rate discloses the same 18%, so the issuer's filings are near-identical on pricing and the differences between its cards lie outside the rate table.

Reading the agreement yourself

This summary stands or falls on the linked PDF — ten pages. Agreements are amended over time, and the filing reflects the terms as submitted rather than as they stand today.

In short

18% 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.