Application and Solicitation Disclosure Jan 6

Little could be extracted from Rt Federal Credit Union's Application and Solicitation Disclosure Jan 6 2022 agreement. What follows is a short account of the gaps rather than a full pricing analysis.

A filing that discloses little

Very little of this filing parsed into structured terms — only a handful of fields could be read with any confidence.

What did come through: a late fee of up to $25, a 25-day grace period and a 1% foreign transaction fee. That is the whole of it.

There is no honest way to extend this analysis without inventing figures, so it ends here. The agreement Rt Federal Credit Union filed is linked above and is the place to go.

What the filing does not tell you

Absent from the captured terms: a purchase rate, anything about cash advances, balance transfer terms and 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.

Reading the agreement yourself

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

With the disclosure table unreadable, any summary would be guesswork. The filed agreement stands as the only statement of these terms.