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 8 99 Account Opening Disclosure.
The disclosed terms
What follows is drawn entirely from Omaha Police Federal Credit Union's CFPB filing for OPFCU Credit Card 8 99 Account Opening Disclosure. The filing runs two pages.
The filing is explicit about 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.
Parsing confidence here is medium, so treat the figures as indicative of the filing rather than a substitute for it.
The grace period
The filing gives 35 days' grace on purchases, meaning a statement balance paid in full within that window attracts no interest. Against a corpus median of 25 days, this is a wider window than usual.
Where interest applies at all, the filing bills at least $0.01. On a tiny balance that floor can dwarf the rate itself.
When a payment is late
$20 is the disclosed ceiling on a late payment fee, placing it near the 17th percentile of the set.
The fee structure
Taking cash against the card means a cash advance fee of $10.
Foreign transactions attract 1%. On $1,500 of overseas spending that is $15, charged on top of whatever exchange rate applies.
Against the rest of Omaha Police Federal Credit Union's filings
Omaha Police Federal Credit Union has 3 agreements indexed on this site.
The limits of this document
This page cannot tell you a purchase rate, an annual fee and penalty pricing, because the filing's disclosure table as read does not contain them.
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.
The document itself
The filed PDF is linked from this page and runs two pages. It is the authority for every figure summarised above; where this page and the document disagree, the document is right.
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 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 18% Account Opening
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.