Before you read the numbers.
The purchase rate was read from a row the document did not label explicitly, so it carries more uncertainty than the other figures here.
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.
| Purchase APR | 18% |
|---|---|
| Grace period | 25 days |
Analysis
Dugood Federal Credit Union's filing for Credit Card discloses too little to analyse in detail — this page reports what could be read and points to the original document.
A filing that discloses little
Very little of this filing parsed into structured terms — only a handful of fields could be read with any confidence.
Known terms amount to a purchase APR of 18% and a 25-day grace period, and no more than that.
There is no honest way to extend this analysis without inventing figures, so it ends here. The agreement Dugood Federal Credit Union filed is linked above and is the place to go.
The limits of this document
Absent from the captured terms: anything about cash advances, balance transfer terms, an annual fee and a foreign transaction fee. The original document is the place to look for any of these.
What this analysis can address is bounded by the filing: rates, fees and the terms around them. Everything a card issuer might advertise — rewards, benefits, bonuses, who qualifies — falls outside the document and outside this review.
Where the authority sits
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
With the disclosure table unreadable, any summary would be guesswork. The filed agreement stands as the only statement of these terms.
The source document
This page is a reading of one document: the cardholder agreement Dugood 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 Dugood Federal Credit Union, not by us. We do not take applications and cannot say whether you would be approved.
Other cards from Dugood Federal Credit Union
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MasterCard Account Opening Disclosure without Intro Rate
Agreement filed with the CFPB
- 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.