Disclosed rates and fees
Every figure below was read from this issuer's filed agreement. Anything the filing does not state is left out of this table rather than shown as zero.
| Late payment fee | up to $20 |
|---|---|
| Foreign transaction fee | 1% |
| Grace period | 21 days |
| Minimum interest charge | $0 |
Analysis
Accentra Credit Union filed this agreement for Truth In Lending Disclosure Statement and Account Opening Disclosures.
On the face of the filing
The document behind this page is Accentra Credit Union's filed agreement for Truth In Lending Disclosure Statement and Account Opening Disclosures. The filing runs two pages.
On the record here: a late payment maximum, a foreign transaction fee and a grace period. No figure appears for a purchase rate, a cash advance rate and a balance transfer rate.
Confidence in the parse of this filing is moderate rather than high, so the figures below are best checked against the original.
The fee structure
Foreign transactions attract 1%. On $1,000 of overseas spending that is $10, charged on top of whatever exchange rate applies.
Default pricing
The maximum late fee is $20 — roughly the 17th percentile of the late fee ceilings disclosed across this index.
Paying in full
The filing gives 21 days' grace on purchases, meaning a statement balance paid in full within that window attracts no interest. That is shorter than the 25-day corpus median.
No minimum interest charge is imposed, so a cycle that accrues a few cents of interest is billed a few cents.
Against the rest of Accentra Credit Union's filings
3 separate Accentra Credit Union filings appear in the corpus.
What the filing does not tell you
Absent from the captured terms: a purchase rate, anything about cash advances, balance transfer terms and an annual fee. The original document is the place to look for any of these.
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.
The document itself
The original filing, 2 pages 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
Extraction confidence here is not high, so the conclusions above are provisional on the PDF agreeing with them.
The source document
This page is a reading of one document: the cardholder agreement Accentra Credit Union filed with the Consumer Financial Protection Bureau. Where the two disagree, the filing is correct and this page is wrong.
Applications are handled by Accentra Credit Union, not by us. We do not take applications and cannot say whether you would be approved.
Other cards from Accentra Credit Union
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Credit Card Disclosure
Agreement filed with the CFPB
- Purchase APR
- 8.9%–15.9%
- Foreign tx fee
- 1%
Where this card sits
Groups this agreement qualifies for, by its own disclosed terms:
Comparable cards from other issuers
Closest disclosed purchase APR among cards in the same groups.