Application and Solicitation

Broadview Federal Credit Union's filed agreement for Application and Solicitation discloses no annual fee.

What the document actually states

Broadview Federal Credit Union submitted the terms for Application and Solicitation to the CFPB's agreement database; this is what they contain. The filing runs two pages.

The filing is explicit about an annual fee line, 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.

Parsing confidence here is medium, so treat the figures as indicative of the filing rather than a substitute for it.

Charges beyond interest

There is no annual fee. That is the common case in this corpus — about 75% of the filings that disclose an annual fee at all disclose it as $0 — so it is a baseline expectation rather than a distinguishing feature.

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.

Penalty pricing and late fees

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

The grace period

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

What is outside the disclosure

The disclosure parsed here does not state a purchase rate, 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.

It is worth being explicit about scope: these filings record terms and pricing. They say nothing about rewards programmes, cardholder benefits, promotional offers or who the issuer will approve, and this review does not speculate about any of it.

Against the rest of Broadview Federal Credit Union's filings

This is one of 27 Broadview Federal Credit Union agreements collected here. Their disclosed purchase rates run from 18% to 18%, though this particular filing does not state one in comparable form.

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

All of this rests on figures read from the filing with less than full confidence, which is reason enough to check the document before relying on any of it.