Lighthouse Navigator Visa Disclosure

On the record for Lighthouse Navigator Visa Disclosure: a 15.99% purchase APR and no annual fee, filed by Lighthouse Federal Credit Union. Against the 4,587 filings on this site, that rate lands around the 17th percentile.

What the agreement puts on the record

Lighthouse Navigator Visa Disclosure is one of the agreements Lighthouse Federal Credit Union has on file with the CFPB. The filing runs two pages, and It is issued on the Visa network.

The disclosure covers a purchase rate, a cash advance rate, a balance transfer rate, an annual fee line and a late payment maximum. It is silent on a penalty rate.

Pricing the purchase rate

The purchase APR of 15.99% places this agreement around the 17th percentile of the set — it falls in the low band of the corpus.

Because the rate is variable, the figure quoted is tied to an index and will drift with it. Nothing here is a fixed commitment.

The arithmetic of revolving

Carry $1,200 on this card for a year without paying it down and the purchase rate alone generates roughly $208 in interest.

The corpus median purchase rate is 21.99%, which on the same $1,200 would cost about $295 a year. This filing saves roughly $87 annually against that benchmark.

Month to month it reads as about $15.87 per cycle on that balance.

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 15.99%. 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.

The filing discloses a 15.99% balance transfer rate without an accompanying fee figure.

Foreign transactions attract 1%. On $1,000 of overseas spending that is $10, charged on top of whatever exchange rate applies.

Default pricing

The maximum late fee is $10 — roughly the 6th percentile of the late fee ceilings disclosed across this index.

Grace period and minimum charge

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.

How it sits in the issuer's own range

This is one of 8 Lighthouse Federal Credit Union agreements collected here. Across that lineup purchase rates span 12.99% to 15.99%; this filing's 15.99% sits above 3 of the comparable ones.

What is outside the disclosure

Absent from the captured terms: penalty pricing. The original document is the place to look for any of these.

More broadly, a CFPB agreement filing is a legal and pricing document. It does not describe rewards, benefits, sign-up offers, eligibility or approval criteria, and nothing of that kind has been inferred on this page. Where a card has features of that sort, they live outside this document entirely.

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

15.99% places this filing at the inexpensive end of the set, which is the headline here. Because there is no annual fee, everything depends on the revolving behaviour: used as a payment instrument and cleared monthly, this agreement costs nothing.