AOD Broadview Credit FTB

The AOD Broadview Credit FTB filing from Broadview Federal Credit Union sets out a 18% purchase APR and no annual fee. Against the 4,587 filings on this site, that rate lands around the 34th percentile.

What the agreement puts on the record

Broadview Federal Credit Union filed this agreement for AOD Broadview Credit FTB with the Consumer Financial Protection Bureau. The filing runs two pages.

Terms captured from the document include a purchase rate, an annual fee line, a late payment maximum, a foreign transaction fee and a grace period. No figure appears for a cash advance rate, a balance transfer rate and a penalty rate.

The row carrying the purchase rate is unlabelled in the original document; it is reported here as the most likely purchase figure rather than a certain one.

Where the purchase APR sits

At 18%, the purchase APR falls at roughly the 34th percentile of the 2,280 filings indexed here, which is on the cheaper side of the median.

What the rate means in dollars

Carry $1,200 on this card for a year without paying it down and the purchase rate alone generates roughly $237 in interest.

Measured against the 21.99% corpus median, the same $1,200 costs approximately $58 less per year here.

These figures are arithmetic on the disclosed rate, not a quote: they assume the balance is never reduced, ignore any payments, and take no account of fees charged separately.

The downside terms

Late payments are capped at $0 under this filing, about the 2nd percentile of late fee maximums in the corpus.

Charges beyond interest

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.

Foreign transactions carry no fee. Only about 22% of the filings here that disclose a foreign transaction fee set it at zero, so this is a genuine point of difference.

The grace period

Anyone clearing the statement balance inside 25 days pays no purchase interest at all under this filing. That matches the 25-day median across the corpus almost exactly.

No minimum interest charge is imposed, so a cycle that accrues a few cents of interest is billed a few cents.

How it sits in the issuer's own range

This is one of 27 Broadview Federal Credit Union agreements collected here. 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.

The limits of this document

Absent from the captured terms: anything about cash advances, balance transfer terms and penalty pricing. The original document is the place to look for any of these.

More broadly, a CFPB agreement filing is a legal and pricing document. It does not describe rewards, benefits, sign-up offers, eligibility or approval criteria, and nothing of that kind has been inferred on this page. Where a card has features of that sort, they live outside this document entirely.

Where the authority sits

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

18% is an unexceptional purchase rate in this collection, and the rest of the terms follow the same pattern.