AOD Broadview Lightning B

AOD Broadview Lightning B, as filed by Broadview Federal Credit Union, carries a 18% purchase APR and no annual fee. That purchase rate ranks near the 34th percentile across this corpus of 4,587 filings.

What this filing discloses

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

The disclosure covers 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 purchase rate was taken from a row the filing did not clearly label, so there is some risk it describes a different balance type.

Where the purchase APR sits

Ranked against the corpus, this purchase APR — 18% — sits at approximately the 34th percentile and is on the cheaper side of the median.

The cost of carrying a balance

A $2,500 balance left untouched for twelve months accrues about $493 in interest at this purchase rate.

Measured against the 21.99% corpus median, the same $2,500 costs approximately $122 less per year here.

Broken down to a single thirty-day cycle, the same balance accrues roughly $37.25.

That maths assumes a static balance and nothing else — no payments, no additional purchases, no fees folded in.

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.

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.

Default pricing

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

The grace period

The filing gives 25 days' grace on purchases, meaning a statement balance paid in full within that window attracts no interest. 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.

What you cannot learn from the filing

The disclosure parsed here does not state anything about cash advances, balance transfer terms and penalty pricing. Those gaps are gaps in what could be read from the filing, and the PDF may well address them in prose the rate table does not capture.

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 issuer's other agreements

There are 27 filings from Broadview Federal Credit Union in this index. Pricing across this issuer's filings is uniform at 18% — the rate table does not distinguish one of its cards from another.

The document itself

This summary stands or falls on the linked PDF — two 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.