Ravalli County Credit UnionFederal Credit Union Visa ClassicRegistry illustration · issuer artwork unavailable

Federal Credit Union Visa ClassicRavalli County Credit Union · federal credit union, MT · NCUA 19732

CurrentLast observed Sep 6, 2026Source date Aug 23, 2026Official issuerCredit card · Consumer · unsecuredFiled as “Ravalli County Federal Credit Union Visa Classic”

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Purchase APR

9.90%

p.2fixed

Balance transfer

9.90%

p.2fixed

Cash advance APR

9.90%

p.1fixed

Annual fee

a year

Foreign fee

of the amount

Grace period

25 days

from cycle close

Product terms with exact source passages
Term	Value	As printed in the source	Source
APR for purchasesintroductory rate first
Introductory	NoneConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
	9.90%RAVALLI COUNTY · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	“9.90% which is a daily periodic rate of 0.0271%”RAVALLI COUNTY · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	p. 2
APR for balance transfers	9.90%RAVALLI COUNTY · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	“9.90% which is a daily periodic rate of 0.0271%”RAVALLI COUNTY · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	p. 2
APR for cash advances	9.90%RAVALLI COUNTY · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	“9.90%”RAVALLI COUNTY · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	p. 1
Penalty APRafter a late or returned payment	—	no source read
Paying interestgrace period on new purchases	25 days from the close of each billing cycle	—	—
How we calculate your balance	Average daily balance including new purchases	—	—
Annual fee	$0Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
Transaction fees
Cash advance	$0Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
Balance transfer	$0Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
Foreign transaction	1% of the amountConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
Penalty fees
First late fee	10% of the required minimum payment if you are fifteen (15) or more days late in making a payment. However, the fee will not exceed $25.00.Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
Returned payment	—	no source read
Other fees
None disclosed	$0Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
Over limit	$0Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
Purchase transaction	$0Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
Opening conditions	Live, work, worship or recreate in Ravalli County.Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website

Visa Account Disclosurespage 1 of 7

CREDITCARD ACCOUNT OPENING DISCLOSURE

VISA CLASSIC

This Disclosure is incorporated into and becomes part of Your LOANLINER Consumer Credit Card Agreement & Disclosure.Please keep this attached to Your LOANLINER Consumer Credit Card Agreement & Disclosure

- Interest Rates and Interest Charges EpaT9. APR for Cash Advances · 9.90% - nura Fees AnulFeeNn Transaction Fees -Transaction Fee for Purchases · aneln on None Penalty Fees - Late Payment Fee · Up to $25.00

How We Will Calculate Your Balance:

We use a method called "average daily balance (including new purchases)." See Your Account Agreement for more details.

Billing Rights

Information on Your rights to dispute transactions and how to exercise those rights is provided in Your Account Agreement.

Military Lending Act Disclosures:

Federal law provides important protections to members of the Armed Forces and their dependents relating to extensions of consumer credit. In general, the cost of consumer credit to a member of the Armed Forces and his or her dependent may not exceed an annual percentage rate of 36 percent. This rate must include,as applicable to the credit transaction or account: The costs associated with credit insurance premiums; fees for ancillary products sold in connection with the credit transaction; any application fee charged (other than certain application fees for specified credit transactions or accounts); and any participation fee charged(other than certain participation fees for a credit card account)

Other Fees &Disclosures

Late Payment Fee:

10.00% of the amount of the required minimum payment, if You are 15 or more days late in making a payment.However the fee will not exceed $25.00.If Your Account is subject to a Late Payment Fee,the fee will be charged to Your Account when You do not make the required minimum payment by or within the number of days of the statement Payment Due Date set forth on this Disclosure

1 2 3 4 5 6 7Pages 1 and 2 are cited

Archived Aug 23, 2026Open full document

Sources and dates

Contractual terms come from retained issuer disclosures. Historical cohort statistics come from the CFPB survey and do not change the issuer's terms.

Issuer disclosures and source details

Exact passages support the published terms or show additional details that remain unresolved.

RAVALLI COUNTY
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 2
“9.90% which is a daily periodic rate of 0.0271%”
Read exact source ↗
RAVALLI COUNTY
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 1
“9.90%”
Read exact source ↗
RAVALLI COUNTY
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 2
“9.90% which is a daily periodic rate of 0.0271%”
Read exact source ↗

CFPB survey — historical cohort statistics

Reported medians describe observed cohorts at the survey date; they are not contractual APR ranges.

Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:ravalli-county-federal-credit-union:ravalli-county-federal-credit-union-visa-classic
Fields: Introductory APR Offered?
Read exact source ↗
Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:ravalli-county-federal-credit-union:ravalli-county-federal-credit-union-visa-classic
Fields: Annual Fee, Balance Computation Method, Balance Computation Method Details, Balance Transfer Grace Period, Card Features, Contact Information Types, Fee Explanation, Fee Varies?, Grace Period, Grace Period Offered?, Institution Name, Issued by Top 25 Institution, Minimum Finance Charge (Dollars), Minimum Finance Charge?, Monthly Fee, Periodic Fee Type, Periodic max, Periodic min, Product Name, Report Date, Requirements for Opening, Secured Card, Targeted Credit Tiers, Telephone Number for Consumers, Website for Consumer, Weekly Fee
Read exact source ↗
Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:ravalli-county-federal-credit-union:ravalli-county-federal-credit-union-visa-classic
Fields: Balance Transfer Fee ($), Balance Transfer Fee (%), Balance Transfer Fee Calculation, Balance Transfer Fee Types, Balance Transfer Fees?, Minimum Balance Transfer Fee Amount
Read exact source ↗
Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:ravalli-county-federal-credit-union:ravalli-county-federal-credit-union-visa-classic
Fields: Cash Advance Fee ($), Cash Advance Fee (%), Cash Advance Fee Calculation, Cash Advance Fee Types, Cash Advance Fees?, Minimum Cash Advance Fee Amount
Read exact source ↗
Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:ravalli-county-federal-credit-union:ravalli-county-federal-credit-union-visa-classic
Fields: Foreign Transaction Fee ($), Foreign Transaction Fee (%), Foreign Transaction Fee Calculation, Foreign Transaction Fees Types, Foreign Transaction Fees?, Minimum Foreign Transaction Fee Amount
Read exact source ↗
Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:ravalli-county-federal-credit-union:ravalli-county-federal-credit-union-visa-classic
Fields: Late Fee ($), Late Fee Policy Details, Late Fee Types, Late Fees?
Read exact source ↗
Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:ravalli-county-federal-credit-union:ravalli-county-federal-credit-union-visa-classic
Fields: Additional Fees, Other Fees
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Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:ravalli-county-federal-credit-union:ravalli-county-federal-credit-union-visa-classic
Fields: Over Limit Fee ($), Over Limit Fee Types, Over Limit Fees?, Overlimit Fee Detail
Read exact source ↗
Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:ravalli-county-federal-credit-union:ravalli-county-federal-credit-union-visa-classic
Fields: Minimum Purchase Transaction Fee Amount, Purchase Transaction Fee ($), Purchase Transaction Fee (%), Purchase Transaction Fee Calculation, Purchase Transaction Fee Type, Purchase Transaction Fees
Read exact source ↗
Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:ravalli-county-federal-credit-union:ravalli-county-federal-credit-union-visa-classic
Fields: Geographic Restrictions, Requirements for Opening, Requirements for Opening Types
Read exact source ↗

CFPB Good (620–719) and Great (720+) definitions ↗

History

dates on sources or when they were captured

Aug 23, 2026: Balance transfer APR, Cash advance APR, Purchase APR
Dec 31, 2025: Annual fee, Balance transfer fee, Balance transfer terms, Card terms, Cash advance fee, Foreign transaction fee, Late payment fee, Other fee, Over limit fee, Purchase APR, Purchase transaction fee

Offered through: Ravalli County Credit Union
Legal issuer: Not established by retained evidence
Regulator: NCUA charter 19732
Branches: 2 in MT
Sources: Official issuer · 1 document · 2 pages cited

Documents

Visa Account Disclosureseffective date not parsed

Federal Credit Union Visa ClassicRavalli County Credit Union · federal credit union, MT · NCUA 19732

Rates and fees