LowRate CCDisclosure 04092025

On the record for LowRate CCDisclosure 04092025 2: a 13.9% purchase APR and no annual fee, filed by Worth Credit Union. That purchase rate ranks near the 12th percentile across this corpus of 4,587 filings.

What this filing discloses

Worth Credit Union submitted the terms for LowRate CCDisclosure 04092025 2 to the CFPB's agreement database; this is what they contain. The filing runs one page.

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

These figures carry medium extraction confidence — they are reproduced as read from the filing, which remains the authority.

The purchase rate in context

13.9% puts the purchase APR near the 12th percentile across 2,280 agreements, so it reads as inexpensive against the rest of the filings.

Translating the rate into money

At the disclosed purchase APR, $1,200 revolving for a full year costs something like $179 in interest.

Priced at the median of 21.99%, that balance would generate about $295 in a year — so this agreement comes in around $116 cheaper for the same debt.

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 a missed payment costs

The maximum late fee is $25 — roughly the 32nd percentile of the late fee ceilings disclosed across this index.

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.

The no-interest path

Purchases carry a 25-day grace period: pay the statement in full inside it and the purchase rate never applies.

How it sits in the issuer's own range

This is one of 10 Worth Credit Union agreements collected here.

What you cannot learn from the filing

This page cannot tell you anything about cash advances, balance transfer terms, a foreign transaction fee and penalty pricing, because the filing's disclosure table as read does not contain them.

It is worth being explicit about scope: these filings record terms and pricing. They say nothing about rewards programmes, cardholder benefits, promotional offers or who the issuer will approve, and this review does not speculate about any of it.

Where the authority sits

The filed PDF is linked from this page and runs one page. It is the authority for every figure summarised above; where this page and the document disagree, the document is right.

In short

13.9% places this filing at the inexpensive end of the set, which is the headline here. The absence of an annual fee means the rate is the only thing that can make this card expensive. All of this rests on figures read from the filing with less than full confidence, which is reason enough to check the document before relying on any of it.