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
The Member Everyday Visa Credit Card Account Opening Disclosure 17 99% filing from Member One Federal Credit Union sets out no annual fee.
What the document actually states
What follows is drawn entirely from Member One Federal Credit Union's CFPB filing for Member Everyday Visa Credit Card Account Opening Disclosure 17 99%. The filing runs two pages, and It is issued on the Visa network.
On the record here: an annual fee line, a late payment maximum, a foreign transaction fee and a grace period. No figure appears for a purchase rate, a cash advance rate and a balance transfer rate.
Parsing confidence here is medium, so treat the figures as indicative of the filing rather than a substitute for it.
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.
Spending abroad costs an extra 1% — about $30 on $3,000 of purchases, independent of interest.
The grace period
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.
When a payment is late
Late payments are capped at $25 under this filing, about the 32nd percentile of late fee maximums in the corpus.
The issuer's other agreements
This is one of 9 Member One Federal Credit Union agreements collected here.
What is outside the disclosure
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.
What this analysis can address is bounded by the filing: rates, fees and the terms around them. Everything a card issuer might advertise — rewards, benefits, bonuses, who qualifies — falls outside the document and outside this review.
Where the authority sits
The original filing, 2 pages long, is linked on this page and should be read before any figure here is acted on. It is also a snapshot: issuers refile as terms change.
In short
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.
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 14 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.