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 | None |
| Cash advance fee | 1.00% of the amount of each |
| Balance transfer fee | 1.00% of the amount of each |
| Grace period | 25 days |
| Network | Visa |
Analysis
Service Federal Credit Union filed this agreement for FM25 04e w Visa Disclosure.
What this filing discloses
Service Federal Credit Union submitted the terms for FM25 04e w Visa Disclosure to the CFPB's agreement database; this is what they contain. The filing runs eight pages, and It is issued on the Visa network.
On the record here: a late payment maximum, a foreign transaction fee and a grace period. No figure appears for a purchase rate, a cash advance rate and a balance transfer rate.
These figures carry medium extraction confidence — they are reproduced as read from the filing, which remains the authority.
Charges beyond interest
Taking cash against the card means a cash advance fee of 1%.
A balance transfer costs 1% of the amount transferred up front. The filing does not separately state the rate applied to transferred balances. Shifting $2,000 across attracts something like $20 in fees on day one.
Foreign transactions carry no fee. Only about 22% of the filings here that disclose a foreign transaction fee set it at zero, so this is a genuine point of difference.
When a payment is late
On the fee side, a late payment can cost up to $20, which is around the 17th percentile here.
Grace period and minimum charge
Anyone clearing the statement balance inside 25 days pays no purchase interest at all under this filing. That matches the 25-day median across the corpus almost exactly.
What the filing does not tell you
Absent from the captured terms: a purchase rate, an annual fee and penalty pricing. The original document is the place to look for any of these.
More broadly, a CFPB agreement filing is a legal and pricing document. It does not describe rewards, benefits, sign-up offers, eligibility or approval criteria, and nothing of that kind has been inferred on this page. Where a card has features of that sort, they live outside this document entirely.
Where the authority sits
This summary stands or falls on the linked PDF — eight pages. Agreements are amended over time, and the filing reflects the terms as submitted rather than as they stand today.
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.
The source document
This page is a reading of one document: the cardholder agreement Service 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 Service Federal Credit Union, not by us. We do not take applications and cannot say whether you would be approved.
Other cards from Service Federal Credit Union
This is the only agreement from Service Federal 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.