CC App Solicitation Disclosure

On the record for CC App Solicitation Disclosure: a 8.74% purchase APR, filed by Community Choice Credit Union. That purchase rate ranks near the 3rd percentile across this corpus of 4,587 filings.

What the document actually states

The document behind this page is Community Choice Credit Union's filed agreement for CC App Solicitation Disclosure. The filing runs two 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 late payment maximum and a foreign transaction fee. It is silent on a penalty rate and an annual fee line.

The purchase rate in context

8.74% puts the purchase APR near the 3rd percentile across 2,280 agreements, so it lands at the extreme low end of the filings.

Because the rate is variable, the figure quoted is tied to an index and will drift with it. Nothing here is a fixed commitment.

The arithmetic of revolving

The purchase rate turns a $1,200 revolving balance into roughly $110 of annual interest.

Priced at the median of 21.99%, that balance would generate about $295 in a year — so this agreement comes in around $185 cheaper for the same debt.

Treat this as an illustration of what the disclosed rate does, not as a projection of a real account, which would be shaped by payments and by the fees described elsewhere in the filing.

Where the fees are

Cash advances carry a cash advance fee of $10 or 2% of the advance, whichever is greater and a cash advance APR of 10.74%. The premium over purchases is 2 percentage points. The two halves of that fee cross at about $500: below it the flat $10 applies, above it the percentage does.

Transferred balances are priced at 8.74%; no separate transfer fee was captured from the filing.

The foreign transaction fee is zero — a minority position in this corpus, where roughly 22% of disclosing filings waive it.

When a payment is late

Late payments are capped at $29 under this filing, about the 47th percentile of late fee maximums in the corpus.

Grace period and minimum charge

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

What is outside the disclosure

Absent from the captured terms: an annual fee and penalty pricing. The original document is the place to look for any of these.

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.

How it sits in the issuer's own range

This is one of 12 Community Choice Credit Union agreements collected here. Every one of the others that discloses a purchase rate discloses the same 20.99%, so the issuer's filings are near-identical on pricing and the differences between its cards lie outside the rate table.

Go to the source

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

8.74% places this filing at the inexpensive end of the set, which is the headline here.