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.
| Balance transfer APR | 6% |
|---|---|
| Annual fee | $0 |
| Late payment fee | up to $3 |
| Foreign transaction fee | None |
| Grace period | 25 days |
Analysis
The Credit Card Disclosures 2Q 2025 filing from Founders Federal Credit Union sets out no annual fee.
The disclosed terms
The document behind this page is Founders Federal Credit Union's filed agreement for Credit Card Disclosures 2Q 2025. The filing runs six pages.
Terms captured from the document include a balance transfer rate, an annual fee line, a late payment maximum, a foreign transaction fee and a grace period. A purchase rate, a cash advance rate and a penalty rate are not stated.
Parsing confidence here is medium, so treat the figures as indicative of the filing rather than a substitute for it.
Fees, and what triggers them
The annual fee is $0. Roughly 75% of filings here that state a fee state zero, so the absence of one is unremarkable in this market.
Transferred balances are priced at 6%; no separate transfer fee was captured from the filing.
The foreign transaction fee is zero — a minority position in this corpus, where roughly 22% of disclosing filings waive it.
The grace period
25 days is the disclosed grace period for purchases — the interval in which paying in full costs nothing.
Default pricing
Late payments are capped at $3 under this filing, about the 4th percentile of late fee maximums in the corpus.
How it sits in the issuer's own range
Founders Federal Credit Union has 17 agreements indexed on this site. Their disclosed purchase rates run from 12.5% to 14.75%, though this particular filing does not state one in comparable form.
The limits of this document
The disclosure parsed here does not state a purchase rate, anything about cash advances 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.
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.
The document itself
The filed PDF is linked from this page and runs six pages. It is the authority for every figure summarised above; where this page and the document disagree, the document is right.
In short
Given the parsing confidence on this filing, read the agreement itself before treating any of these figures as settled.
The source document
This page is a reading of one document: the cardholder agreement Founders 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 Founders Federal Credit Union, not by us. We do not take applications and cannot say whether you would be approved.
Other cards from Founders Federal Credit Union
-
4Q Credit Card Disclsoures
Agreement filed with the CFPB
- Purchase APR
- 14.75%
- Annual fee
- $0
- Foreign tx fee
- None
-
Credit Card Disclosures 1Q
Agreement filed with the CFPB
- Annual fee
- $0
- Foreign tx fee
- None
-
Credit Card Disclosures 2Qtr
Agreement filed with the CFPB
- Purchase APR
- 14.25%
- Annual fee
- $0
- Foreign tx fee
- 1%
-
Credit Card Disclosures 3Qtr
Agreement filed with the CFPB
- Annual fee
- $0
- Foreign tx fee
- None
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.