Before you read the numbers.
This document covers more than one card product in a single disclosure table. Figures shown may belong to a sibling product rather than to this one. Check the filing before relying on any individual number.
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.
| Purchase APR | 10.99%–24.99% (variable) |
|---|---|
| Introductory APR | 2.9% for 12 months |
| Balance transfer APR | 10.99% |
| Cash advance APR | 10.99% |
| Penalty APR | 24.99% |
| Annual fee | $0 |
| Late payment fee | up to $35 |
| Foreign transaction fee | 0.9% |
| Cash advance fee | None |
| Balance transfer fee | None |
| Grace period | 28 days |
| Network | Mastercard |
Analysis
10 31 2025 Solicitation Disclosure Proof, as filed by Orsa Credit Union, carries a purchase APR of 10.99%–24.99%, no annual fee, a 2.9% introductory rate and a 24.99% penalty rate. The purchase rate sits at roughly the 60th percentile of the 4,587 agreements indexed here.
What this filing discloses
10 31 2025 Solicitation Disclosure Proof is one of the agreements Orsa Credit Union has on file with the CFPB. The filing runs three pages, and It is issued on the Mastercard network.
Terms captured from the document include a purchase rate, a cash advance rate, a balance transfer rate, a penalty rate and an annual fee line.
This document discloses several products inside a single rate table. That means the numbers below are the ones the table contains, not necessarily the ones attached to this particular card — the filing itself is the only way to tell them apart.
Introductory pricing
For the first 12 months the filing sets a reduced rate of 2.9%. Balances still cost something during that window.
Among the 763 filings here that disclose an introductory rate, 2.9% sits at about the 73rd percentile.
What matters more than the promotion is the rate waiting behind it: 24.99%. A $1,000 balance that survives the promotional window costs roughly $284 a year from that point on.
The purchase APR against the corpus
Rather than a single purchase rate, the document gives a band — 10.99% at the bottom, 24.99% at the top, 14 points wide. The agreement discloses the range without disclosing how an account is placed within it.
Those two numbers occupy very different places in the corpus: roughly the 14th percentile at the bottom and the 60th at the top.
The filing marks this rate as variable, which means it moves with the index the agreement names rather than staying where it is quoted today.
The cost of carrying a balance
Put $3,000 on the card and never reduce it, and twelve months of interest at the disclosed purchase rate comes to approximately $851.
Against the corpus median of 21.99%, that is approximately $114 a year of extra interest on the same $3,000.
These figures are arithmetic on the disclosed rate, not a quote: they assume the balance is never reduced, ignore any payments, and take no account of fees charged separately.
The grace period
Anyone clearing the statement balance inside 28 days pays no purchase interest at all under this filing. The median across this index is 25 days, so this filing is more generous than most.
Penalty pricing and late fees
A penalty APR of 24.99% sits in this filing, applied when the account falls into default as the agreement defines it. Against the 794 filings here that disclose one, that is roughly the 47th percentile.
$35 is the disclosed ceiling on a late payment fee, placing it near the 54th percentile of the set.
Charges beyond interest
There is no annual fee. That is the common case in this corpus — about 75% of the filings that disclose an annual fee at all disclose it as $0 — so it is a baseline expectation rather than a distinguishing feature.
For cash advances the filing discloses a cash advance APR of 10.99%.
The filing discloses a 10.99% balance transfer rate without an accompanying fee figure.
The filing sets a 0.9% foreign transaction fee, which adds roughly $18 to $2,000 spent outside the United States.
Against the rest of Orsa Credit Union's filings
There are 4 filings from Orsa Credit Union in this index.
What you cannot learn from the filing
It is worth being explicit about scope: these filings record terms and pricing. They say nothing about rewards programmes, cardholder benefits, promotional offers or who the issuer will approve, and this review does not speculate about any of it.
Reading the agreement yourself
The filed PDF is linked from this page and runs three pages. It is the authority for every figure summarised above; where this page and the document disagree, the document is right.
In short
At 24.99% the purchase rate is close to ordinary for this corpus; nothing in the rate table sets this filing far apart from its peers. With no annual fee, the cost of the account is entirely a function of whether a balance is carried. And because the filing covers several products in one table, even the figures that are right may belong to a different card.
The source document
This page is a reading of one document: the cardholder agreement Orsa 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 Orsa Credit Union, not by us. We do not take applications and cannot say whether you would be approved.
Other cards from Orsa Credit Union
This is the only agreement from Orsa Credit Union in the database with enough disclosed terms to publish. See the issuer's full filing list.
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.