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 |
| Network | Visa |
Analysis
On the record for Member Everyday Visa Credit Card Account Opening Disclosure 14 99%: no annual fee, filed by Member One Federal Credit Union.
The disclosed terms
This page covers the agreement Member One Federal Credit Union filed for Member Everyday Visa Credit Card Account Opening Disclosure 14 99%. The filing runs two pages, and It is issued on the Visa network.
The filing is explicit about an annual fee line, a late payment maximum, a foreign transaction fee and a grace period. A purchase rate, a cash advance rate and a balance transfer rate are not stated.
These figures carry medium extraction confidence — they are reproduced as read from the filing, which remains the authority.
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.
Foreign transactions attract 1%. On $3,000 of overseas spending that is $30, charged on top of whatever exchange rate applies.
Penalty pricing and late fees
The maximum late fee is $25 — roughly the 32nd percentile of the late fee ceilings disclosed across this index.
Grace period and minimum charge
Purchases carry a 25-day grace period: pay the statement in full inside it and the purchase rate never applies. That matches the 25-day median across the corpus almost exactly.
Inside Member One Federal Credit Union's filed lineup
There are 9 filings from Member One Federal Credit Union in this index.
What the filing does not tell you
The disclosure parsed here does not state a purchase rate and penalty pricing. 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.
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.
The document itself
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 Member One Federal 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 Member One Federal Credit Union, not by us. We do not take applications and cannot say whether you would be approved.
Other cards from Member One Federal Credit Union
-
Member Everyday Visa Credit Card Account Opening Disclosure 17 99%
Agreement filed with the CFPB
- Annual fee
- $0
- Foreign tx fee
- 1%
-
Member Everyday Visa Credit Card Account Opening Disclosure 9 99%
Agreement filed with the CFPB
- Annual fee
- $0
- Foreign tx fee
- 1%
-
Member One Soliciation Disclosure 3 99%
Agreement filed with the CFPB
- Annual fee
- $0
- Foreign tx fee
- 1%
-
Member Premier Visa Signature Credit Card Account Opening Disclosure 13 99%
Agreement filed with the CFPB
- Annual fee
- $0
- Foreign tx fee
- None
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.