MFSC Pricing

MFSC Pricing, as filed by Golden 1 Credit Union, the, carries a 14.04% purchase APR. The purchase rate sits at roughly the 12th percentile of the 4,587 agreements indexed here.

What the document actually states

Golden 1 Credit Union, the filed this agreement for MFSC Pricing with the Consumer Financial Protection Bureau. The filing runs one page.

The disclosure covers a purchase rate, 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.

These figures carry medium extraction confidence — they are reproduced as read from the filing, which remains the authority.

The purchase APR against the corpus

14.04% puts the purchase APR near the 12th percentile across 2,280 agreements, so it is comfortably below what most issuers filed.

The arithmetic of revolving

Carry $4,000 on this card for a year without paying it down and the purchase rate alone generates roughly $603 in interest.

Priced at the median of 21.99%, that balance would generate about $983 in a year — so this agreement comes in around $381 cheaper for the same debt.

These figures are arithmetic on the disclosed rate, not a quote: they assume the balance is never reduced, ignore any payments, and take no account of fees charged separately.

Charges beyond interest

Spending abroad costs an extra 1% — about $30 on $3,000 of purchases, independent of interest.

When a payment is late

Late payments are capped at $15 under this filing, about the 11th percentile of late fee maximums in the corpus.

The no-interest path

Anyone clearing the statement balance inside 25 days pays no purchase interest at all under this filing. That matches the 25-day median across the corpus almost exactly.

Inside Golden 1 Credit Union, the's filed lineup

There are 8 filings from Golden 1 Credit Union, the in this index.

What the filing does not tell you

This page cannot tell you anything about cash advances, balance transfer terms, an annual fee and penalty pricing, because the filing's disclosure table as read does not contain them.

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.

Go to the source

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

In short

The purchase rate of 14.04% is one of the cheaper figures in this index — the central point in the agreement's favour. Given the parsing confidence on this filing, read the agreement itself before treating any of these figures as settled.