Forest River TILA

TD Bank's filed agreement for Forest River Tila discloses a 29.99% purchase APR and no annual fee. Against the 4,587 filings on this site, that rate lands around the 74th percentile.

What the document actually states

TD Bank submitted the terms for Forest River Tila to the CFPB's agreement database; this is what they contain. The filing runs four pages.

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

Pricing the purchase rate

The purchase APR of 29.99% places this agreement around the 74th percentile of the set — it runs above the midpoint of the corpus.

What the rate means in dollars

At the disclosed purchase APR, $1,500 revolving for a full year costs something like $524 in interest.

A card priced at the corpus median of 21.99% would charge roughly $369 on that balance. This one charges about $156 more per year.

Per statement cycle that is on the order of $37.42 on $1,500, which is the number that actually shows up on a bill.

Small balances do not get a proportionally small bill — the agreement imposes a $1 minimum interest charge in any month where interest applies.

That maths assumes a static balance and nothing else — no payments, no additional purchases, no fees folded in.

Where the fees are

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.

The downside terms

On the fee side, a late payment can cost up to $40, which is around the 72nd percentile here.

The grace period

25 days is the disclosed grace period for purchases — the interval in which paying in full costs nothing. That matches the 25-day median across the corpus almost exactly.

The $1 minimum interest charge means the effective cost of carrying a very small balance is far higher than the quoted APR implies.

What the filing does not tell you

The disclosure parsed here does not state anything about cash advances, balance transfer terms, a foreign transaction 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.

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.

Inside TD Bank's filed lineup

This is one of 39 TD Bank agreements collected here. Across that lineup purchase rates span 16.74% to 29.99%; this filing's 29.99% sits above 6 of the comparable ones.

34 of the issuer's other 36 disclosing filings are likewise fee-free.

Where the authority sits

The original filing, 4 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

29.99% is an unexceptional purchase rate in this collection, and the rest of the terms follow the same pattern.