VISA Signature Rewards MLA Intro Rate Disclosure 2

Truity Federal Credit Union's filed agreement for VISA Signature Rewards MLA Intro Rate Disclosure 2 2026 discloses a purchase APR of 14.49%–18% and no annual fee. The purchase rate sits at roughly the 34th percentile of the 4,587 agreements indexed here.

What the agreement puts on the record

VISA Signature Rewards MLA Intro Rate Disclosure 2 2026 is one of the agreements Truity Federal Credit Union has on file with the CFPB. The filing runs six pages, and It is issued on the Visa network.

Terms captured from the document include a purchase rate, an annual fee line, a late payment maximum and a foreign transaction fee. A cash advance rate, a balance transfer rate and a penalty rate are not stated.

How the purchase rate compares

Purchases price between 14.49% and 18% under this filing. The 3.51-point gap between the two is material, and nothing in the agreement indicates where a given account would land.

The floor of that band sits at about the 29th percentile of filed purchase rates; the ceiling sits at about the 34th. In corpus terms the same card can be cheap or expensive depending on how it is priced.

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.

What the rate means in dollars

Carry $5,000 on this card for a year without paying it down and the purchase rate alone generates roughly $986 in interest.

A typical filing in this index would charge about $1,229 on that balance; this one is roughly $244 a year below it.

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.

When a payment is late

Late payments are capped at $28 under this filing, about the 46th percentile of late fee maximums in the corpus.

The fee structure

No annual fee appears in the filing, in line with the roughly 75% of disclosing agreements in this index that charge nothing to hold the card.

Foreign transactions carry no fee. Only about 22% of the filings here that disclose a foreign transaction fee set it at zero, so this is a genuine point of difference.

Inside Truity Federal Credit Union's filed lineup

There are 5 filings from Truity Federal Credit Union in this index. Across that lineup purchase rates span 14.99% to 18%; this filing's 18% sits above 1 of the comparable ones.

What is outside the disclosure

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

An agreement filing is not a marketing document. Rewards, perks, welcome offers and eligibility rules are not in it, are not in this dataset, and are therefore not discussed anywhere on this page.

The document itself

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

In short

At 18% the purchase rate is close to ordinary for this corpus; nothing in the rate table sets this filing far apart from its peers.