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 $25 |
|---|---|
| Foreign transaction fee | 2% |
| Cash advance fee | 3.00% of the amount of each |
| Grace period | 25 days |
| Network | Visa |
Analysis
Sikorsky Financial Credit Union filed this agreement for Visa Application Solicitation Disclosure 1.
What the document actually states
This page covers the agreement Sikorsky Financial Credit Union filed for Visa Application Solicitation Disclosure 1. The filing runs three 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. It is silent on a purchase rate, a cash advance rate and a balance transfer rate.
The disclosure table in this document parsed only moderately cleanly; the numbers are reported as read, with that caveat attached.
Default pricing
The maximum late fee is $25 — roughly the 32nd percentile of the late fee ceilings disclosed across this index.
What the card costs before you borrow
For cash advances the filing discloses a cash advance fee of 3%.
The filing sets a 2% foreign transaction fee, which adds roughly $100 to $5,000 spent outside the United States.
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.
Against the rest of Sikorsky Financial Credit Union's filings
This is one of 9 Sikorsky Financial Credit Union agreements collected here.
What the filing does not tell you
The disclosure parsed here does not state a purchase rate, balance transfer terms, an annual fee and penalty pricing. Those gaps are gaps in what could be read from the filing, and the PDF may well address them in prose the rate table does not capture.
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
Everything here is a reading of the filed agreement, three pages of it, which is linked above and which governs. Terms also change between filings, so the date on the document matters.
In short
Given the parsing confidence on this filing, read the agreement itself before treating any of these figures as settled.
The source document
This page is a reading of one document: the cardholder agreement Sikorsky Financial 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 Sikorsky Financial Credit Union, not by us. We do not take applications and cannot say whether you would be approved.
Other cards from Sikorsky Financial Credit Union
-
Visa Application Solicitation Disclosure
Agreement filed with the CFPB
- Foreign tx fee
- 2%
-
Visa Application Solicitation Disclosure
Agreement filed with the CFPB
- Foreign tx fee
- 2%
-
Visa Application Solicitation Disclosure 1
Agreement filed with the CFPB
- Foreign tx fee
- 2%
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.