Hue49mf D 0724 (afti)

The Hue49mf D 0724 (afti) filing from First Savings Bank sets out a 29.9% purchase APR and a $49 annual fee. Against the 4,587 filings on this site, that rate lands around the 72nd percentile.

What the document actually states

First Savings Bank filed this agreement for Hue49mf D 0724 (afti) with the Consumer Financial Protection Bureau. The filing runs five pages, and It is issued on the Mastercard network.

On the record here: a purchase rate, a cash advance rate, an annual fee line, a late payment maximum and a grace period. A balance transfer rate, a penalty rate and a foreign transaction fee are not stated.

How the purchase rate compares

29.9% puts the purchase APR near the 72nd percentile across 2,280 agreements, so it sits in the more expensive half.

The cost of carrying a balance

Put $1,500 on the card and never reduce it, and twelve months of interest at the disclosed purchase rate comes to approximately $523.

A card priced at the corpus median of 21.99% would charge roughly $369 on that balance. This one charges about $154 more per year.

Broken down to a single thirty-day cycle, the same balance accrues roughly $37.30.

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.

Charges beyond interest

Holding the card costs $49 a year before any transaction takes place — about the 87th percentile among agreements in this index that state a fee.

For cash advances the filing discloses a cash advance fee of 2% and a cash advance APR of 29.9%.

What a missed payment costs

The maximum late fee is $25 — roughly the 32nd percentile of the late fee ceilings disclosed across this index.

The grace period

The filing gives 25 days' grace on purchases, meaning a statement balance paid in full within that window attracts no interest.

The filing sets the minimum interest charge at zero — small balances are not rounded up to a floor.

Inside First Savings Bank's filed lineup

6 separate First Savings Bank filings appear in the corpus. The issuer's own range is 18.4%–29.9%. At 29.9%, this agreement is dearer than 1 of its siblings.

The limits of this document

The disclosure parsed here does not state balance transfer terms, a foreign transaction fee and penalty pricing. 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.

It is worth being explicit about scope: these filings record terms and pricing. They say nothing about rewards programmes, cardholder benefits, promotional offers or who the issuer will approve, and this review does not speculate about any of it.

Go to the source

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

29.9% is an unexceptional purchase rate in this collection, and the rest of the terms follow the same pattern. Note that the $49 annual fee falls due whether the card is used or not.