Schumer Cash Back Visa Rate

The Schumer Cash Back Visa Rate 12025 filing from Rivermark Community Credit Union sets out no annual fee.

On the face of the filing

Schumer Cash Back Visa Rate 12025 is one of the agreements Rivermark Community Credit Union has on file with the CFPB. The filing runs one page, and It is issued on the Visa network.

Terms captured from the document include a cash advance rate, a balance transfer rate, an annual fee line, a late payment maximum and a grace period. It is silent on a purchase rate, a penalty rate and a foreign transaction fee.

These figures carry medium extraction confidence — they are reproduced as read from the filing, which remains the authority.

Fees, and what triggers them

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.

Taking cash against the card means a cash advance fee of 1% and a cash advance APR of 14.5%.

Transferred balances are priced at 14.5%; no separate transfer fee was captured from the filing.

The downside terms

The filing explicitly states that no penalty APR applies. That is worth noting: a default on this account does not, by the terms of this document, reprice the whole balance upward.

The maximum late fee is $25 — roughly the 32nd percentile of the late fee ceilings disclosed across this index.

The grace period

Purchases carry a 25-day grace period: pay the statement in full inside it and the purchase rate never applies.

The filing sets the minimum interest charge at zero — small balances are not rounded up to a floor.

Inside Rivermark Community Credit Union's filed lineup

12 separate Rivermark Community Credit Union filings appear in the corpus.

What you cannot learn from the filing

Absent from the captured terms: a purchase rate and a foreign transaction fee. The original document is the place to look for any of these.

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.

Where the authority sits

The original filing, 1 page 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

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.