Credit Card Agreement September

The Credit Card Agreement September filing from Virginia Federal Credit Union sets out no annual fee and a 1.99% introductory rate.

What the document actually states

This page covers the agreement Virginia Federal Credit Union filed for Credit Card Agreement September. It is issued on the Mastercard network and the filing runs four pages.

The filing is explicit about an annual fee line, a late payment maximum, a foreign transaction fee and a grace period. A purchase rate, a cash advance rate and a balance transfer rate are not stated.

These figures carry medium extraction confidence — they are reproduced as read from the filing, which remains the authority.

Introductory pricing

An introductory rate of 1.99% appears without a disclosed duration.

Among the 763 filings here that disclose an introductory rate, 1.99% sits at about the 66th percentile.

Crucially, the go-to rate is absent from what could be read out of this filing. A promotional rate without the rate that follows it is only half the pricing, and the PDF is the only source for the other half.

Grace period and minimum charge

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

No minimum interest charge is imposed, so a cycle that accrues a few cents of interest is billed a few cents.

Default pricing

The maximum late fee is $35 — roughly the 54th percentile of the late fee ceilings disclosed across this index.

Fees, and what triggers them

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.

No foreign transaction fee is charged, which puts this filing in the roughly 22% of disclosing agreements here that do not take a cut of overseas spending.

The issuer's other agreements

Virginia Federal Credit Union has 15 agreements indexed on this site.

What you cannot learn from the filing

Absent from the captured terms: a purchase rate and penalty pricing. The original document is the place to look for any of these.

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.

Where the authority sits

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

In short

Extraction confidence here is not high, so the conclusions above are provisional on the PDF agreeing with them.