Agreements as filed with the CFPB. Not an offer of credit. How we read them
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State Employees Credit Union of Maryland

UMD Affinity Visa - State Employees Credit Union of Maryland

A State Employees Credit Union of Maryland card. The agreement we matched to it discloses a purchase APR of 17.74%–24% — below are every term that document states and the ones it leaves out.

UMD Affinity Visa credit card from State Employees Credit Union of Maryland
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Takes you to State Employees Credit Union of Maryland. We are not the lender.

UMD Affinity Visa is issued by State Employees Credit Union of Maryland. The button below hands you to the issuer's own application.

Apply now State Employees Credit Union of Maryland agreements on file

Applications are handled by State Employees Credit Union of Maryland, not by us. We do not take applications, we are not the lender, and we cannot say whether you would be approved.

Disclosed rates and fees

Read from the agreement State Employees Credit Union of Maryland filed with the CFPB under the name “UMD Affinity Visa Disclosure Agreement”, matched to this card by name. Anything the filing does not state is left out of this table rather than shown as a zero.

Terms as disclosed in the filed agreement matched to UMD Affinity Visa
Purchase APR17.74%–24% (variable)
Introductory APR0% for 12 months
Balance transfer APR3%
Annual fee$0
Late payment feeup to $25
Foreign transaction feeNone
Cash advance feeNone
Balance transfer fee0% for the transferred balances made at your standard
Grace period25 days
Minimum interest charge$0
NetworkVisa

Open the filed agreement (PDF)

Where these facts come from

The card name, the image and the application link on this page were read from State Employees Credit Union of Maryland's own website (product page). The rates and fees, where we show them, come from a different source entirely: the cardholder agreement the issuer filed with the Consumer Financial Protection Bureau.

Those two sources can disagree, and when they do the issuer's current offer is the one you would actually get. A filed agreement is a snapshot of the terms at the moment of filing; it is the best public record of what a card costs and it is not a quote. Read State Employees Credit Union of Maryland's current disclosure before you apply.

We join a filing to a product only when the names match on every meaningful word. Issuers file documents, not cards, so a great many filings cannot be tied to any one product — and an agreement attached to the wrong card would misstate the price of borrowing money. How we read the filings.

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Where this card sits

Groups the matched agreement qualifies for, on its own disclosed terms:

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