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.
| Annual fee | $0 |
|---|---|
| Late payment fee | up to $25 |
| Foreign transaction fee | 1% |
| Cash advance fee | None |
| Balance transfer fee | None |
| Grace period | 25 days |
Analysis
On the record for Consumer credit card agreement 2: no annual fee, filed by Indiana Members Credit Union.
On the face of the filing
This page covers the agreement Indiana Members Credit Union filed for Consumer credit card agreement 2. The filing runs two pages.
On the record here: an annual fee line, a late payment maximum, a foreign transaction fee and a grace period. It is silent on a purchase rate, a cash advance rate and a balance transfer rate.
These figures carry medium extraction confidence — they are reproduced as read from the filing, which remains the authority.
Where the fees are
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.
The filing sets a 1% foreign transaction fee, which adds roughly $10 to $1,000 spent outside the United States.
Default pricing
The maximum late fee is $25 — roughly the 32nd percentile of the late fee ceilings disclosed across this index.
Paying in full
25 days is the disclosed grace period for purchases — the interval in which paying in full costs nothing. That matches the 25-day median across the corpus almost exactly.
Against the rest of Indiana Members Credit Union's filings
Indiana Members Credit Union has 3 agreements indexed on this site.
The limits of this document
This page cannot tell you a purchase rate and penalty pricing, because the filing's disclosure table as read does not contain them.
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.
Where the authority sits
This summary stands or falls on the linked PDF — two pages. Agreements are amended over time, and the filing reflects the terms as submitted rather than as they stand today.
In short
Extraction confidence here is not high, so the conclusions above are provisional on the PDF agreeing with them.
The source document
This page is a reading of one document: the cardholder agreement Indiana Members 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 Indiana Members Credit Union, not by us. We do not take applications and cannot say whether you would be approved.
Other cards from Indiana Members Credit Union
This is the only agreement from Indiana Members Credit Union in the database with enough disclosed terms to publish. See the issuer's full filing list.
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.