OT 054 Early CC Disclosure

On the record for OT 054 Early CC Disclosure: a 18% penalty rate, filed by Del-One Federal Credit Union.

On the face of the filing

The document behind this page is Del-One Federal Credit Union's filed agreement for OT 054 Early CC Disclosure. It is issued on the Visa network and the filing runs one page.

The disclosure covers a penalty rate, a late payment maximum and a foreign transaction fee. No figure appears for a purchase rate, a cash advance rate and a balance transfer rate.

These figures carry medium extraction confidence — they are reproduced as read from the filing, which remains the authority.

What a missed payment costs

If the account defaults, the filing permits a rate of 18%. Among disclosing agreements here that ranks near the 19th percentile.

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

The fee structure

Cash advances carry a cash advance fee of $10 or 3% of the advance, whichever is greater. Advances under roughly $333 are charged the flat $10; larger ones are charged 3%.

Foreign transactions attract 1%. On $3,000 of overseas spending that is $30, charged on top of whatever exchange rate applies.

The issuer's other agreements

This is one of 3 Del-One Federal Credit Union agreements collected here.

What the filing does not tell you

This page cannot tell you a purchase rate, balance transfer terms, an annual fee and a grace period, because the filing's disclosure table as read does not contain them.

More broadly, a CFPB agreement filing is a legal and pricing document. It does not describe rewards, benefits, sign-up offers, eligibility or approval criteria, and nothing of that kind has been inferred on this page. Where a card has features of that sort, they live outside this document entirely.

The document itself

The original filing, 1 page 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

All of this rests on figures read from the filing with less than full confidence, which is reason enough to check the document before relying on any of it.