CSE Visa Disclosures

The CSE Visa Disclosures filing from Cse Federal Credit Union sets out a purchase APR of 8.25%–18%, no annual fee and a 3.99% introductory rate. The purchase rate sits at roughly the 34th percentile of the 4,587 agreements indexed here.

On the face of the filing

CSE Visa Disclosures is one of the agreements Cse Federal Credit Union has on file with the CFPB. It is issued on the Visa network and the filing runs six pages.

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

The introductory rate

A promotional rate of 3.99% applies for six months under this agreement — lower than the standard rate, but not free.

Among the 763 filings here that disclose an introductory rate, 3.99% sits at about the 85th percentile.

What matters more than the promotion is the rate waiting behind it: 18%. A $3,000 balance that survives the promotional window costs roughly $591 a year from that point on.

Where the purchase APR sits

This is a tiered agreement: the filing discloses a purchase APR anywhere from 8.25% to 18%, a spread of 9.75 percentage points. Which end of that band applies is set by the issuer at account opening and the filing does not say how.

Those two numbers occupy very different places in the corpus: roughly the 5th percentile at the bottom and the 34th at the top.

This figure is the post-promotional rate. The introductory pricing is handled separately further down.

The cost of carrying a balance

At the disclosed purchase APR, $1,500 revolving for a full year costs something like $296 in interest.

The corpus median purchase rate is 21.99%, which on the same $1,500 would cost about $369 a year. This filing saves roughly $73 annually against that benchmark.

Broken down to a single thirty-day cycle, the same balance accrues roughly $22.35.

These figures are arithmetic on the disclosed rate, not a quote: they assume the balance is never reduced, ignore any payments, and take no account of fees charged separately.

Grace period and minimum charge

The filing gives 25 days' grace on purchases, meaning a statement balance paid in full within that window attracts no interest.

When a payment is late

This agreement records no penalty rate at all. Late payment carries a fee, but not the rate increase that many filings in this corpus permit.

The fee structure

No annual fee appears in the filing, in line with the roughly 75% of disclosing agreements in this index that charge nothing to hold the card.

Spending abroad costs an extra 1% — about $15 on $1,500 of purchases, independent of interest.

What is outside the disclosure

This page cannot tell you anything about cash advances, because the filing's disclosure table as read does not contain it.

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.

The document itself

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

In short

The pricing here is middling by the standards of the index — 18% on purchases is near enough to typical. With no annual fee, the cost of the account is entirely a function of whether a balance is carried.