CAMPUS USA Credit Union Credit Card Pricing Addendum

The CAMPUS USA Credit Union Credit Card Pricing Addendum filing from Campus USA Credit Union sets out a purchase APR of 9.8%–12.25%, no annual fee and a 17.99% penalty rate. That purchase rate ranks near the 8th percentile across this corpus of 4,587 filings.

What this filing discloses

The document behind this page is Campus USA Credit Union's filed agreement for CAMPUS USA Credit Union Credit Card Pricing Addendum. The filing runs three pages, and It is issued on the Mastercard network.

On the record here: a purchase rate, a cash advance rate, a balance transfer rate, a penalty rate and an annual fee line.

The filing bundles multiple products into one disclosure table. Any figure quoted here may describe a related card in the same filing, so the PDF should be read before treating these numbers as this card's own.

How the purchase rate compares

Rather than a single purchase rate, the document gives a band — 9.8% at the bottom, 12.25% at the top, 2.45 points wide. The agreement discloses the range without disclosing how an account is placed within it.

The floor of that band sits at about the 9th percentile of filed purchase rates; the ceiling sits at about the 8th. In corpus terms the same card can be cheap or expensive depending on how it is priced.

The filing marks this rate as variable, which means it moves with the index the agreement names rather than staying where it is quoted today.

Translating the rate into money

Carry $2,500 on this card for a year without paying it down and the purchase rate alone generates roughly $326 in interest.

The corpus median purchase rate is 21.99%, which on the same $2,500 would cost about $615 a year. This filing saves roughly $289 annually against that benchmark.

Broken down to a single thirty-day cycle, the same balance accrues roughly $25.29.

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

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.

For cash advances the filing discloses a cash advance APR of 9.8%. Cash advances also tend to fall outside any grace period, which means interest typically starts on day one rather than at the end of a billing cycle.

Transferred balances are priced at 9.8%; no separate transfer fee was captured from the filing.

Foreign transactions attract 1%. On $5,000 of overseas spending that is $50, charged on top of whatever exchange rate applies.

Penalty pricing and late fees

If the account defaults, the filing permits a rate of 17.99%. Among disclosing agreements here that ranks near the 12th percentile.

Measured in money, moving from 12.25% to 17.99% costs an extra $167 or so annually on $2,500 — a far larger number than any single late fee.

The maximum late fee is $40 — roughly the 72nd percentile of the late fee ceilings disclosed across this index.

Paying in full

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.

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

Inside Campus USA Credit Union's filed lineup

There are 4 filings from Campus USA Credit Union in this index.

What you cannot learn from the filing

An agreement filing is not a marketing document. Rewards, perks, welcome offers and eligibility rules are not in it, are not in this dataset, and are therefore not discussed anywhere on this page.

Where the authority sits

The original filing, 3 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

The purchase rate of 12.25% is one of the cheaper figures in this index — the central point in the agreement's favour. The absence of an annual fee means the rate is the only thing that can make this card expensive. The multi-product table is the larger caveat: these numbers are the table's, not necessarily this card's.