VP VE Combined Opening Disclosures 12

Visions Federal Credit Union's filed agreement for VP VE Combined Opening Disclosures 12 2025 discloses a purchase APR of 14.5%–18% and no annual fee. That purchase rate ranks near the 34th percentile across this corpus of 4,587 filings.

What the document actually states

What follows is drawn entirely from Visions Federal Credit Union's CFPB filing for VP VE Combined Opening Disclosures 12 2025. It is issued on the Visa network and the filing runs ten pages.

On the record here: a purchase rate, a cash advance rate, a balance transfer rate, an annual fee line and a late payment maximum. It is silent on a penalty rate.

Where the purchase APR sits

Rather than a single purchase rate, the document gives a band — 14.5% at the bottom, 18% at the top, 3.5 points wide. The agreement discloses the range without disclosing how an account is placed within it.

Read against the index, the low end ranks around the 30th percentile and the high end around the 34th — the band straddles a wide stretch of the market this corpus describes.

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.

The cost of carrying a balance

Carry $4,000 on this card for a year without paying it down and the purchase rate alone generates roughly $789 in interest.

Priced at the median of 21.99%, that balance would generate about $983 in a year — so this agreement comes in around $195 cheaper for the same debt.

Per statement cycle that is on the order of $59.60 on $4,000, 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.

When a payment is late

$20 is the disclosed ceiling on a late payment fee, placing it near the 17th percentile of the set.

Charges beyond interest

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.

Cash advances carry a cash advance APR of 14.5%. Cash advances also tend to fall outside any grace period, which means interest typically starts on day one rather than at the end of a billing cycle.

The filing discloses a 14.5% balance transfer rate without an accompanying fee figure.

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

The grace period

28 days is the disclosed grace period for purchases — the interval in which paying in full costs nothing. The median across this index is 25 days, so this filing is more generous than most.

Against the rest of Visions Federal Credit Union's filings

13 separate Visions Federal Credit Union filings appear in the corpus. 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.

It is worth being explicit about scope: these filings record terms and pricing. They say nothing about rewards programmes, cardholder benefits, promotional offers or who the issuer will approve, and this review does not speculate about any of it.

The document itself

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

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.