Q4 2025 Solicitation Disclosure

The Q4 2025 Solicitation Disclosure filing from Omni Community Credit Union sets out a purchase APR of 11.24%–20.24% and a 21.99% penalty rate. That purchase rate ranks near the 43rd percentile across this corpus of 4,587 filings.

On the face of the filing

Q4 2025 Solicitation Disclosure is one of the agreements Omni Community Credit Union has on file with the CFPB. The filing runs two pages, and It is issued on the Mastercard network.

On the record here: a purchase rate, a cash advance rate, a balance transfer rate, a penalty rate and a late payment maximum. It is silent on an annual fee line.

Pricing the purchase rate

The purchase APR is quoted as a range of 11.24% to 20.24%. That 9-point spread is the whole of what the filing commits to; the method for assigning a rate inside it is not in the document.

Read against the index, the low end ranks around the 15th percentile and the high end around the 43rd — the band straddles a wide stretch of the market this corpus describes.

The agreement labels the purchase rate variable, so the quoted figure reflects the index at the time of filing rather than a locked-in price.

The arithmetic of revolving

At the disclosed purchase APR, $1,200 revolving for a full year costs something like $269 in interest.

Priced at the median of 21.99%, that balance would generate about $295 in a year — so this agreement comes in around $26 cheaper for the same debt.

Month to month it reads as about $20.12 per cycle on that balance.

That maths assumes a static balance and nothing else — no payments, no additional purchases, no fees folded in.

Default pricing

The agreement discloses penalty pricing of 21.99% — about the 32nd percentile of the 794 penalty rates recorded across this index.

A default therefore reprices the debt by 1.75 points: about $54 a year more on $2,500, for as long as the penalty rate stands.

Late payments are capped at $25 under this filing, about the 32nd percentile of late fee maximums in the corpus.

The fee structure

Cash advances carry a cash advance APR of 11.24%. Cash advances also tend to fall outside any grace period, which means interest typically starts on day one rather than at the end of a billing cycle.

Transferred balances are priced at 11.24%; no separate transfer fee was captured from the filing.

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

The filing gives 25 days' grace on purchases, meaning a statement balance paid in full within that window attracts no interest. That matches the 25-day median across the corpus almost exactly.

Inside Omni Community Credit Union's filed lineup

Omni Community Credit Union has 3 agreements indexed on this site.

What you cannot learn from the filing

Absent from the captured terms: an annual fee. The original document is the place to look for any of these.

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.

Go to the source

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

20.24% is an unexceptional purchase rate in this collection, and the rest of the terms follow the same pattern.