1 1 26 Visa Gold Disclosure

Tinker Federal Credit Union's filed agreement for 1 1 26 Visa Gold Disclosure discloses a 12.25% purchase APR, no annual fee and a 3.99% introductory rate. That purchase rate ranks near the 8th percentile across this corpus of 4,587 filings.

On the face of the filing

This page covers the agreement Tinker Federal Credit Union filed for 1 1 26 Visa Gold Disclosure. It is issued on the Visa network and the filing runs five pages.

On the record here: a purchase rate, a cash advance rate, a balance transfer rate, an annual fee line and a late payment maximum. It is silent on a penalty rate.

What the promotional rate is worth

For the first six months the filing sets a reduced rate of 3.99%. Balances still cost something during that window.

Among the 763 filings here that disclose an introductory rate, 3.99% sits at about the 85th percentile.

Once the introductory period ends the rate becomes 12.25%, which turns a lingering $2,500 balance into approximately $326 of annual interest.

Where the purchase APR sits

Measured against every other filing on the site, 12.25% is about the 8th percentile for purchase APR; it sits well down in the cheaper fifth of the set.

This is disclosed as a variable rate. The number above is a snapshot: it tracks an index, so it changes without the agreement being amended.

The rate discussed in this section is the go-to rate — the one that applies once the promotional period described below has ended, not the promotional rate itself.

The cost of carrying a balance

A $1,200 balance left untouched for twelve months accrues about $156 in interest at this purchase rate.

A typical filing in this index would charge about $295 on that balance; this one is roughly $139 a year below it.

Broken down to a single thirty-day cycle, the same balance accrues roughly $12.14.

Treat this as an illustration of what the disclosed rate does, not as a projection of a real account, which would be shaped by payments and by the fees described elsewhere in the filing.

What the card costs before you borrow

The annual fee is $0. Roughly 75% of filings here that state a fee state zero, so the absence of one is unremarkable in this market.

Taking cash against the card means a cash advance APR of 12.25%.

The filing discloses a 12.25% balance transfer rate without an accompanying fee figure.

Spending abroad costs an extra 1% — about $30 on $3,000 of purchases, independent of interest.

What a missed payment costs

$22 is the disclosed ceiling on a late payment fee, placing it near the 19th percentile of the set.

Paying in full

Purchases carry a 25-day grace period: pay the statement in full inside it and the purchase rate never applies. That matches the 25-day median across the corpus almost exactly.

What the filing does not tell you

This page cannot tell you penalty pricing, because the filing's disclosure table as read does not contain it.

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.

How it sits in the issuer's own range

6 separate Tinker Federal Credit Union filings appear in the corpus. Their disclosed purchase rates run from 10.9% to 18%, and this one at 12.25% is more expensive than 1 of them.

Reading the agreement yourself

This summary stands or falls on the linked PDF — five pages. Agreements are amended over time, and the filing reflects the terms as submitted rather than as they stand today.

In short

At 12.25% the purchase rate is low relative to this corpus, which is the clearest thing the filing has going for it on cost. The absence of an annual fee means the rate is the only thing that can make this card expensive.