AOD Broadview World A

On the record for AOD Broadview World A: a 18% purchase APR and no annual fee, filed by Broadview Federal Credit Union. That purchase rate ranks near the 34th percentile across this corpus of 4,587 filings.

What the document actually states

What follows is drawn entirely from Broadview Federal Credit Union's CFPB filing for AOD Broadview World A. The filing runs two pages.

The filing is explicit about 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.

The purchase APR against the corpus

Measured against every other filing on the site, 18% is about the 34th percentile for purchase APR; it is on the cheaper side of the median.

Translating the rate into money

At the disclosed purchase APR, $1,200 revolving for a full year costs something like $237 in interest.

A typical filing in this index would charge about $295 on that balance; this one is roughly $58 a year below it.

Broken down to a single thirty-day cycle, the same balance accrues roughly $17.88.

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.

Fees, and what triggers them

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.

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.

The no-interest path

25 days is the disclosed grace period for purchases — the interval in which paying in full costs nothing.

The filing sets the minimum interest charge at zero — small balances are not rounded up to a floor.

The downside terms

On the fee side, a late payment can cost up to $0, which is around the 2nd percentile here.

How it sits in the issuer's own range

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.

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.

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

In short

At 18% the purchase rate is close to ordinary for this corpus; nothing in the rate table sets this filing far apart from its peers.