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.
| Late payment fee | up to $27 |
|---|---|
| Foreign transaction fee | 3% |
| Grace period | 25 days |
| Network | Visa |
Analysis
Financial Plus Credit Union's filing for Jan 2026 VBT Promo Application and Solicitation Disclosure 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
Only a small number of terms could be extracted from this agreement, which limits what can usefully be said about it.
The fields that survived extraction are a late fee of up to $27, a 25-day grace period and a 3% foreign transaction fee — nothing further.
Rather than fill the space with generic commentary, this page stops here and points at the document. For a filing this opaque, the PDF is the only thing worth reading.
What is outside the disclosure
The disclosure parsed here does not state a purchase rate, anything about cash advances, balance transfer terms and an annual fee. Those gaps are gaps in what could be read from the filing, and the PDF may well address them in prose the rate table does not capture.
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
This summary stands or falls on the linked PDF — two pages. Agreements are amended over time, and the filing reflects the terms as submitted rather than as they stand today.
In short
No useful cost comparison is possible from what this document yields. The PDF is the only source worth consulting for these terms.
The source document
This page is a reading of one document: the cardholder agreement Financial Plus 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 Financial Plus Credit Union, not by us. We do not take applications and cannot say whether you would be approved.
Other cards from Financial Plus Credit Union
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Jan 2026 NonPromo Application and Solicitation Disclosure
Agreement filed with the CFPB
- Purchase APR
- 13.75%–18%
- Foreign tx fee
- 3%
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.