VP VE Combined Opening Disclosures 09

On the record for VP VE Combined Opening Disclosures 09 2025: a purchase APR of 14.75%–18% and no annual fee, filed by Visions Federal Credit Union. Against the 4,587 filings on this site, that rate lands around the 34th percentile.

What this filing discloses

What follows is drawn entirely from Visions Federal Credit Union's CFPB filing for VP VE Combined Opening Disclosures 09 2025. It is issued on the Visa network and the filing runs ten pages.

The filing is explicit about a purchase rate, a cash advance rate, a balance transfer rate, an annual fee line and a late payment maximum. No figure appears for a penalty rate.

How the purchase rate compares

The purchase APR is quoted as a range of 14.75% to 18%. That 3.25-point spread is the whole of what the filing commits to; the method for assigning a rate inside it is not in the document.

Those two numbers occupy very different places in the corpus: roughly the 32nd percentile at the bottom and the 34th at the top.

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.

Translating the rate into money

At the disclosed purchase APR, $5,000 revolving for a full year costs something like $986 in interest.

The corpus median purchase rate is 21.99%, which on the same $5,000 would cost about $1,229 a year. This filing saves roughly $244 annually against that benchmark.

These figures are arithmetic on the disclosed rate, not a quote: they assume the balance is never reduced, ignore any payments, and take no account of fees charged separately.

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 APR of 14.75%.

Transferred balances are priced at 14.75%; no separate transfer fee was captured from the filing.

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

Paying in full

Anyone clearing the statement balance inside 28 days pays no purchase interest at all under this filing. Against a corpus median of 25 days, this is a wider window than usual.

Penalty pricing and late fees

Late payments are capped at $20 under this filing, about the 17th percentile of late fee maximums in the corpus.

How it sits in the issuer's own range

There are 13 filings from Visions Federal Credit Union in this index. Every one of the others that discloses a purchase rate discloses the same 18%, so the issuer's filings are near-identical on pricing and the differences between its cards lie outside the rate table.

What is outside the disclosure

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

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.

Go to the source

The original filing, 10 pages long, is linked on this page and should be read before any figure here is acted on. It is also a snapshot: issuers refile as terms change.

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. The absence of an annual fee means the rate is the only thing that can make this card expensive.