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.
| Late payment fee | up to $20 |
|---|---|
| Foreign transaction fee | 1% |
| Cash advance fee | $10.00 |
| Balance transfer fee | None |
| Grace period | 35 days |
| Minimum interest charge | $0.01 |
Analysis
Omaha Police Federal Credit Union filed this agreement for OPFCU Credit Card 18% Account Opening.
What the agreement puts on the record
Omaha Police Federal Credit Union submitted the terms for OPFCU Credit Card 18% Account Opening to the CFPB's agreement database; this is what they contain. The filing runs two pages.
The disclosure covers 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.
The disclosure table in this document parsed only moderately cleanly; the numbers are reported as read, with that caveat attached.
Default pricing
Late payments are capped at $20 under this filing, about the 17th percentile of late fee maximums in the corpus.
The fee structure
Taking cash against the card means a cash advance fee of $10.
The filing sets a 1% foreign transaction fee, which adds roughly $10 to $1,000 spent outside the United States.
Grace period and minimum charge
35 days is the disclosed grace period for purchases — the interval in which paying in full costs nothing. Against a corpus median of 25 days, this is a wider window than usual.
The $0.01 minimum interest charge means the effective cost of carrying a very small balance is far higher than the quoted APR implies.
Against the rest of Omaha Police Federal Credit Union's filings
This is one of 3 Omaha Police Federal Credit Union agreements collected here.
What you cannot learn from the filing
The disclosure parsed here does not state a purchase rate, an annual fee 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.
An agreement filing is not a marketing document. Rewards, perks, welcome offers and eligibility rules are not in it, are not in this dataset, and are therefore not discussed anywhere on this page.
Reading the agreement yourself
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
Given the parsing confidence on this filing, read the agreement itself before treating any of these figures as settled.
The source document
This page is a reading of one document: the cardholder agreement Omaha Police 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 Omaha Police Federal Credit Union, not by us. We do not take applications and cannot say whether you would be approved.
Other cards from Omaha Police Federal Credit Union
-
OPFCU Credit Card 8 99 Account Opening Disclosure
Agreement filed with the CFPB
- Foreign tx fee
- 1%
-
OPFCU Credit card 9 99 Account Opening
Agreement filed with the CFPB
- Foreign tx fee
- 1%
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.