1 1 26 Visa Platinum Disclosure

Tinker Federal Credit Union's filed agreement for 1 1 26 Visa Platinum Disclosure discloses no annual fee and a 3.99% introductory rate.

On the face of the filing

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

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

Confidence in the parse of this filing is moderate rather than high, so the figures below are best checked against the original.

The introductory rate

The introductory rate is 3.99%, held for six months. It is a discount rather than a holiday — interest still accrues, just more slowly than the go-to rate.

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

The grace period

Purchases carry a 25-day grace period: pay the statement in full inside it and the purchase rate never applies.

When a payment is late

The maximum late fee is $22 — roughly the 19th percentile of the late fee ceilings disclosed across this index.

Where the fees are

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.

For cash advances the filing discloses a cash advance fee of 2.5% and a cash advance APR of 12.5%. The grace period described below generally does not extend to cash advances, so interest on them usually begins immediately.

A balance transfer costs 2.5% of the amount transferred up front. The filing does not separately state the rate applied to transferred balances. On $1,000 that fee is about $25 before any interest is charged.

Spending abroad costs an extra 1% — about $10 on $1,000 of purchases, independent of interest.

How it sits in the issuer's own range

This is one of 6 Tinker Federal Credit Union agreements collected here. Their disclosed purchase rates run from 10.9% to 18%, though this particular filing does not state one in comparable form.

What the filing does not tell you

The disclosure parsed here does not state a purchase rate 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.

The document itself

Everything here is a reading of the filed agreement, five 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.