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 9 99 Account Opening.
On the face of the filing
What follows is drawn entirely from Omaha Police Federal Credit Union's CFPB filing for OPFCU Credit card 9 99 Account Opening. The filing runs two pages.
On the record here: 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.
Parsing confidence here is medium, so treat the figures as indicative of the filing rather than a substitute for it.
Charges beyond interest
Taking cash against the card means a cash advance fee of $10.
The filing sets a 1% foreign transaction fee, which adds roughly $50 to $5,000 spent outside the United States.
The grace period
35 days is the disclosed grace period for purchases — the interval in which paying in full costs nothing. The median across this index is 25 days, so this filing is more generous than most.
Where interest applies at all, the filing bills at least $0.01. On a tiny balance that floor can dwarf the rate itself.
The downside terms
The maximum late fee is $20 — roughly the 17th percentile of the late fee ceilings disclosed across this index.
How it sits in the issuer's own range
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.
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.
The document itself
Everything here is a reading of the filed agreement, two pages of it, which is linked above and which governs. Terms also change between filings, so the date on the document matters.
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 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 8 99 Account Opening Disclosure
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.