World L360 rate APR26

On the record for 3877 World L360 rate APR26 v1: a 17.99% purchase APR, filed by Citadel Federal Credit Union. That purchase rate ranks near the 28th percentile across this corpus of 4,587 filings.

The disclosed terms

The document behind this page is Citadel Federal Credit Union's filed agreement for 3877 World L360 rate APR26 v1. It is issued on the Mastercard network and the filing runs three pages.

Terms captured from the document include a purchase rate, a balance transfer rate, a late payment maximum and a foreign transaction fee. No figure appears for a cash advance rate, a penalty rate and an annual fee line.

The purchase rate in context

Measured against every other filing on the site, 17.99% is about the 28th percentile for purchase APR; it is on the cheaper side of the median.

The agreement labels the purchase rate variable, so the quoted figure reflects the index at the time of filing rather than a locked-in price.

What a balance actually costs

Carry $5,000 on this card for a year without paying it down and the purchase rate alone generates roughly $985 in interest.

Priced at the median of 21.99%, that balance would generate about $1,229 in a year — so this agreement comes in around $244 cheaper for the same debt.

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

The fee structure

Balance transfers cost $5 or 5% of the amount transferred, whichever is greater up front and then accrue at 17.99%. Transferring $1,000 would cost roughly $50 at the door.

Foreign transactions carry no fee. Only about 22% of the filings here that disclose a foreign transaction fee set it at zero, so this is a genuine point of difference.

What a missed payment costs

$35 is the disclosed ceiling on a late payment fee, placing it near the 54th percentile of the set.

Against the rest of Citadel Federal Credit Union's filings

Citadel Federal Credit Union has 3 agreements indexed on this site. The others all file the same 17.99% purchase rate. Whatever separates these products, it is not the cost of borrowing.

The limits of this document

This page cannot tell you anything about cash advances, an annual fee, a grace period and penalty pricing, because the filing's disclosure table as read does not contain them.

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

In short

17.99% is an unexceptional purchase rate in this collection, and the rest of the terms follow the same pattern.