Low Rate Range Credit Card Disclosure Effective

Low Rate Range Credit Card Disclosure Effective 2 1 26, as filed by Dollar Bank, Federal Savings Bank, carries a 12.74% purchase APR, no annual fee and a six-month 0% opening period. The purchase rate sits at roughly the 9th percentile of the 4,587 agreements indexed here.

What this filing discloses

Dollar Bank, Federal Savings Bank submitted the terms for Low Rate Range Credit Card Disclosure Effective 2 1 26 to the CFPB's agreement database; this is what they contain. It is issued on the Mastercard network and the filing runs five pages.

The filing is explicit about a purchase rate, a cash advance rate, a balance transfer rate, an annual fee line and a late payment maximum. No figure appears for a penalty rate.

Zero percent, and then what

A six-month promotional period at 0% is on the record here — during it, qualifying balances cost nothing to carry.

About 458 agreements in this corpus carry a zero-percent opening rate; this is one of them.

The go-to rate is 12.74%. Any balance still outstanding when the promotion lapses starts accruing at that figure — about $136 a year on $1,000.

The promotional window is therefore worth something on the order of $68 on $1,000, measured against the same balance priced at the standard rate for the same period.

The purchase APR against the corpus

Measured against every other filing on the site, 12.74% is about the 9th percentile for purchase APR; it reads as inexpensive against the rest of the filings.

The filing marks this rate as variable, which means it moves with the index the agreement names rather than staying where it is quoted today.

The rate discussed in this section is the go-to rate — the one that applies once the promotional period described below has ended, not the promotional rate itself.

What the rate means in dollars

The purchase rate turns a $1,200 revolving balance into roughly $163 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 $132 cheaper for the same debt.

Month to month it reads as about $12.63 per cycle on that balance.

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

Where the fees are

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.

Cash advances carry a cash advance fee of $5 or 3% of the advance, whichever is greater and a cash advance APR of 17.74%. That is 5 points above the purchase rate. $167 is the crossover point where the percentage overtakes the $5 minimum.

Moving a balance onto this card carries an up-front charge of $5 or 1% of the amount transferred, whichever is greater, with the transferred balance priced at 12.74%. On $2,000 that fee is about $20 before any interest is charged.

Spending abroad costs an extra 3% — about $90 on $3,000 of purchases, independent of interest.

That is at the high end of this corpus — around the 91st percentile of disclosed foreign transaction fees.

Penalty pricing and late fees

The maximum late fee is $35 — roughly the 54th percentile of the late fee ceilings disclosed across this index.

The no-interest path

Anyone clearing the statement balance inside 25 days pays no purchase interest at all under this filing.

A minimum interest charge of $0.50 applies in any cycle where interest is due, which makes very small revolving balances disproportionately expensive.

How it sits in the issuer's own range

This is one of 5 Dollar Bank, Federal Savings Bank agreements collected here. Across that lineup purchase rates span 15.74% to 18.49%; this filing's 12.74% sits above 0 of the comparable ones.

3 of the issuer's other 4 disclosing filings are likewise fee-free.

What is outside the disclosure

This page cannot tell you penalty pricing, 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 original filing, 5 pages 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

12.74% places this filing at the inexpensive end of the set, which is the headline here. With no annual fee, the cost of the account is entirely a function of whether a balance is carried.