ADA 077432920 CreditCardDisclosure 4 2026pdf

Kemba Credit Union's filed agreement for ADA 077432920 CreditCardDisclosure 4 2026pdf discloses a $25 annual fee.

The disclosed terms

What follows is drawn entirely from Kemba Credit Union's CFPB filing for ADA 077432920 CreditCardDisclosure 4 2026pdf. It is issued on the Visa network and the filing runs six pages.

Terms captured from the document include an annual fee line, a late payment maximum and a foreign transaction fee. No figure appears for a purchase rate, a cash advance rate and a balance transfer rate.

Confidence in the parse of this filing is moderate rather than high, so the figures below are best checked against the original.

Fees, and what triggers them

Holding the card costs $25 a year before any transaction takes place — about the 78th percentile among agreements in this index that state a fee.

For cash advances the filing discloses a cash advance fee of $2 or 2% of the advance, whichever is greater. Advances under roughly $100 are charged the flat $2; larger ones are charged 2%.

A balance transfer costs $2 or 2% of the amount transferred, whichever is greater up front. The filing does not separately state the rate applied to transferred balances. Transferring $7,500 would cost roughly $150 at the door.

The filing sets a 1% foreign transaction fee, which adds roughly $50 to $5,000 spent outside the United States.

Penalty pricing and late fees

The maximum late fee is $25 — roughly the 32nd percentile of the late fee ceilings disclosed across this index.

What the filing does not tell you

Absent from the captured terms: a purchase rate, a grace period and penalty pricing. The original document is the place to look for any of these.

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.

The document itself

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

In short

Note that the $25 annual fee falls due whether the card is used or not. All of this rests on figures read from the filing with less than full confidence, which is reason enough to check the document before relying on any of it.