C 17 75 VISA Cash Back ACCT Disclosures ELGACU

On the record for C 17 75 VISA Cash Back ACCT Disclosures ELGACU 01 01 26: a 17.75% purchase APR and no annual fee, filed by Elga Credit Union. That purchase rate ranks near the 23rd percentile across this corpus of 4,587 filings.

What this filing discloses

Elga Credit Union filed this agreement for C 17 75 VISA Cash Back ACCT Disclosures ELGACU 01 01 26 with the Consumer Financial Protection Bureau. The filing runs one page, and It is issued on the Visa network.

The disclosure covers a purchase rate, an annual fee line, a late payment maximum, 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 purchase rate in context

Ranked against the corpus, this purchase APR — 17.75% — sits at approximately the 23rd percentile and is on the cheaper side of the median.

What the rate means in dollars

Carry $1,500 on this card for a year without paying it down and the purchase rate alone generates roughly $291 in interest.

Measured against the 21.99% corpus median, the same $1,500 costs approximately $78 less per year here.

Broken down to a single thirty-day cycle, the same balance accrues roughly $22.04.

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.

What the card costs before you borrow

There is no annual fee. That is the common case in this corpus — about 75% of the filings that disclose an annual fee at all disclose it as $0 — so it is a baseline expectation rather than a distinguishing feature.

Foreign transactions attract 2%. On $5,000 of overseas spending that is $100, charged on top of whatever exchange rate applies.

When a payment is late

On the fee side, a late payment can cost up to $25, which is around the 32nd percentile here.

Grace period and minimum charge

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

Against the rest of Elga Credit Union's filings

There are 30 filings from Elga Credit Union in this index. Their disclosed purchase rates run from 11.75% to 20.75%, and this one at 17.75% is more expensive than 18 of them.

What you cannot learn from the filing

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

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.

Go to the source

The filed PDF is linked from this page and runs one page. 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 — 17.75% on purchases is near enough to typical. Because there is no annual fee, everything depends on the revolving behaviour: used as a payment instrument and cleared monthly, this agreement costs nothing.