1 1 26 Visa Sig Disclosure

On the record for 1 1 26 Visa Sig Disclosure: a 14.5% purchase APR, no annual fee and a six-month 0% opening period, filed by Tinker Federal Credit Union. The purchase rate sits at roughly the 13th percentile of the 4,587 agreements indexed here.

What this filing discloses

The document behind this page is Tinker Federal Credit Union's filed agreement for 1 1 26 Visa Sig Disclosure. It is issued on the Visa network and the filing runs ten pages.

On the record here: a purchase rate, a cash advance rate, an annual fee line, a late payment maximum and a foreign transaction fee. No figure appears for a balance transfer rate and a penalty rate.

Zero percent, and then what

The filing discloses a 0% introductory rate running six months. For that window, balances covered by the promotion accrue no interest at all.

Zero-percent openings appear in roughly 458 of the filings on this site, which puts this agreement in a sizeable minority rather than a class of its own.

What matters more than the promotion is the rate waiting behind it: 14.5%. A $3,000 balance that survives the promotional window costs roughly $468 a year from that point on.

Put the other way round, the six-month zero rate is worth roughly $234 on a $3,000 balance relative to paying the go-to rate from day one — a real figure, but one that only materialises for someone who was going to carry that balance anyway.

The purchase rate in context

The purchase APR of 14.5% places this agreement around the 13th percentile of the set — it sits well down in the cheaper fifth of the set.

The filing marks this rate as variable, which means it moves with the index the agreement names rather than staying where it is quoted today.

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

The purchase rate turns a $3,000 revolving balance into roughly $468 of annual interest.

Measured against the 21.99% corpus median, the same $3,000 costs approximately $270 less per year here.

Per statement cycle that is on the order of $35.96 on $3,000, which is the number that actually shows up on a bill.

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

What the card costs before you borrow

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.

Taking cash against the card means a cash advance fee of 2.5% and a cash advance APR of 16.5%. The premium over purchases is 2 percentage points.

A balance transfer costs 2.5% of the amount transferred up front. The filing does not separately state the rate applied to transferred balances. Shifting $3,000 across attracts something like $75 in fees on day one.

The foreign transaction fee is zero — a minority position in this corpus, where roughly 22% of disclosing filings waive it.

What a missed payment costs

Late payments are capped at $22 under this filing, about the 19th percentile of late fee maximums in the corpus.

Paying in full

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.

What you cannot learn from the filing

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

What this analysis can address is bounded by the filing: rates, fees and the terms around them. Everything a card issuer might advertise — rewards, benefits, bonuses, who qualifies — falls outside the document and outside this review.

How it sits in the issuer's own range

Tinker Federal Credit Union has 6 agreements indexed on this site. Across that lineup purchase rates span 10.9% to 18%; this filing's 14.5% sits above 2 of the comparable ones.

Where the authority sits

Everything here is a reading of the filed agreement, ten pages of it, which is linked above and which governs. Terms also change between filings, so the date on the document matters.

In short

14.5% places this filing at the inexpensive end of the set, which is the headline here. The absence of an annual fee means the rate is the only thing that can make this card expensive.