Application and Solicitation

The Application and Solicitation filing from Broadview Federal Credit Union sets out no annual fee.

What the agreement puts on the record

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

On the record here: an annual fee line, a late payment maximum, a foreign transaction fee and a grace period. It is silent on a purchase rate, a cash advance rate and a balance transfer rate.

The disclosure table in this document parsed only moderately cleanly; the numbers are reported as read, with that caveat attached.

The fee structure

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.

When a payment is late

$0 is the disclosed ceiling on a late payment fee, placing it near the 2nd percentile of the set.

Paying in full

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

The issuer's other agreements

27 separate Broadview Federal Credit Union filings appear in the corpus. Their disclosed purchase rates run from 18% to 18%, though this particular filing does not state one in comparable form.

What the filing does not tell you

This page cannot tell you a purchase rate, anything about cash advances, balance transfer terms and penalty pricing, because the filing's disclosure table as read does not contain them.

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.

Reading the agreement yourself

Everything here is a reading of the filed agreement, two pages of it, which is linked above and which governs. Terms also change between filings, so the date on the document matters.

In short

Extraction confidence here is not high, so the conclusions above are provisional on the PDF agreeing with them.