Rewards Credit Card Agreement and Disclosure

Gecu Federal Credit Union's filed agreement for Rewards Credit Card Agreement and Disclosure 1 1 26 discloses a purchase APR of 14.24%–17.9% and no annual fee. Against the 4,587 filings on this site, that rate lands around the 24th percentile.

What the document actually states

This page covers the agreement Gecu Federal Credit Union filed for Rewards Credit Card Agreement and Disclosure 1 1 26. The filing runs 12 pages.

On the record here: a purchase rate, a cash advance rate, an annual fee line, a late payment maximum and a foreign transaction fee. No figure appears for a balance transfer rate and a penalty rate.

The purchase rate in context

Purchases price between 14.24% and 17.9% under this filing. The 3.66-point gap between the two is material, and nothing in the agreement indicates where a given account would land.

Read against the index, the low end ranks around the 28th percentile and the high end around the 24th — the band straddles a wide stretch of the market this corpus describes.

What the rate means in dollars

At the disclosed purchase APR, $3,000 revolving for a full year costs something like $588 in interest.

Measured against the 21.99% corpus median, the same $3,000 costs approximately $150 less per year here.

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

No annual fee appears in the filing, in line with the roughly 75% of disclosing agreements in this index that charge nothing to hold the card.

Taking cash against the card means a cash advance APR of 2%. Cash advances also tend to fall outside any grace period, which means interest typically starts on day one rather than at the end of a billing cycle.

Foreign transactions attract 1%. On $3,000 of overseas spending that is $30, charged on top of whatever exchange rate applies.

Paying in full

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

No minimum interest charge is imposed, so a cycle that accrues a few cents of interest is billed a few cents.

What a missed payment costs

$25 is the disclosed ceiling on a late payment fee, placing it near the 32nd percentile of the set.

What the filing does not tell you

The disclosure parsed here does not state 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.

An agreement filing is not a marketing document. Rewards, perks, welcome offers and eligibility rules are not in it, are not in this dataset, and are therefore not discussed anywhere on this page.

Reading the agreement yourself

This summary stands or falls on the linked PDF — 12 pages. Agreements are amended over time, and the filing reflects the terms as submitted rather than as they stand today.

In short

17.9% is an unexceptional purchase rate in this collection, and the rest of the terms follow the same pattern.