Disclosed rates and fees
Every figure below was read from this issuer's filed agreement. Anything the filing does not state is left out of this table rather than shown as zero.
| Annual fee | $0 |
|---|---|
| Late payment fee | up to $10 |
| Foreign transaction fee | 1% |
| Grace period | 21 days |
| Minimum interest charge | $0 |
Analysis
CC Opening Disc app, as filed by Clearwater Federal Credit Union, carries no annual fee.
What the document actually states
Clearwater Federal Credit Union submitted the terms for CC Opening Disc app to the CFPB's agreement database; this is what they contain. The filing runs three pages.
On the record here: an annual fee line, a late payment maximum, a foreign transaction fee and a grace period. A purchase rate, a cash advance rate and a balance transfer rate are not stated.
Confidence in the parse of this filing is moderate rather than high, so the figures below are best checked against the original.
Where the fees are
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.
Spending abroad costs an extra 1% — about $30 on $3,000 of purchases, independent of interest.
The grace period
Purchases carry a 21-day grace period: pay the statement in full inside it and the purchase rate never applies. The typical filing here allows 25 days, so this one is tighter than most.
The filing sets the minimum interest charge at zero — small balances are not rounded up to a floor.
What a missed payment costs
The maximum late fee is $10 — roughly the 6th percentile of the late fee ceilings disclosed across this index.
How it sits in the issuer's own range
There are 4 filings from Clearwater Federal Credit Union in this index.
What is outside the disclosure
Absent from the captured terms: a purchase rate, anything about cash advances, balance transfer terms and penalty pricing. The original document is the place to look for any of these.
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.
Reading the agreement yourself
This summary stands or falls on the linked PDF — three pages. Agreements are amended over time, and the filing reflects the terms as submitted rather than as they stand today.
In short
Given the parsing confidence on this filing, read the agreement itself before treating any of these figures as settled.
The source document
This page is a reading of one document: the cardholder agreement Clearwater Federal Credit Union filed with the Consumer Financial Protection Bureau. Where the two disagree, the filing is correct and this page is wrong.
Applications are handled by Clearwater Federal Credit Union, not by us. We do not take applications and cannot say whether you would be approved.
Other cards from Clearwater Federal Credit Union
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CC Opening Disc app old
Agreement filed with the CFPB
- Annual fee
- $0
- Foreign tx fee
- 1%
Where this card sits
Groups this agreement qualifies for, by its own disclosed terms:
Comparable cards from other issuers
Closest disclosed purchase APR among cards in the same groups.