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 $15 |
|---|---|
| Foreign transaction fee | 1% |
| Grace period | 25 days |
| Network | Visa |
Analysis
This Idaho Central Credit Union filing resists summarising: the standard rate and fee disclosures are not present in readable form. The PDF is the source of record.
A filing that discloses little
Very little of this filing parsed into structured terms — only a handful of fields could be read with any confidence.
What did come through: a late fee of up to $15, a 25-day grace period and a 1% foreign transaction fee. That is the whole of it.
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 you cannot learn from the filing
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.
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.
Where the authority sits
The filed PDF is linked from this page and runs two pages. It is the authority for every figure summarised above; where this page and the document disagree, the document is right.
In short
There is not enough in this filing to characterise the card's cost. Read the linked agreement; this page will not pretend to more than it has.
The source document
This page is a reading of one document: the cardholder agreement Idaho Central 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 Idaho Central Credit Union, not by us. We do not take applications and cannot say whether you would be approved.
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- Purchase APR
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- Intro APR
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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.