{"data":{"path":"oneaz-credit-union/visa-signature-credit-card","artwork":null,"name":"Visa Signature Credit Card","officialName":"Visa Signature Credit Card","type":"credit_card","audience":"consumer","lifecycleStatus":"active","owner":{"name":"Oneaz Credit Union","handle":"oneaz-credit-union"},"institution":{"name":"Oneaz Credit Union","handle":"oneaz-credit-union"},"actualIssuerName":null,"standardOffer":{"id":"1486","offerKind":"standard","channel":null,"nameAsFiled":"Visa Signature Credit Card","handle":null,"terms":{"productId":"2670","path":"oneaz-credit-union/visa-signature-credit-card","name":"Visa Signature Credit Card","officialName":"Visa Signature Credit Card","aliases":[],"institutionId":"75312","institutionName":"Oneaz Credit Union","institutionHandle":"oneaz-credit-union","issuerName":null,"productType":"credit_card","audience":"consumer","audienceSegments":["consumer"],"lifecycleStatus":"active","offerKind":"standard","channel":null,"secured":null,"network":null,"targetedCreditTier":null,"gracePeriodDays":null,"minimumFinanceChargeCents":null,"balanceComputationMethod":null,"periodicFeeFrequency":null,"periodicFeeCents":0,"periodicFeeMinCents":null,"periodicFeeMaxCents":null,"purchaseRegularAllBps":1449,"purchaseRegularNoScoreBps":null,"purchaseRegularPoorBps":null,"purchaseRegularGoodBps":null,"purchaseRegularGreatBps":null,"purchaseRegularMinBps":1449,"purchaseRegularMaxBps":2400,"purchaseIntroAllBps":null,"purchaseIntroNoScoreBps":null,"purchaseIntroPoorBps":null,"purchaseIntroGoodBps":null,"purchaseIntroGreatBps":null,"purchaseIntroMinBps":null,"purchaseIntroMaxBps":null,"balanceTransferRegularAllBps":1449,"balanceTransferRegularNoScoreBps":null,"balanceTransferRegularPoorBps":null,"balanceTransferRegularGoodBps":null,"balanceTransferRegularGreatBps":null,"balanceTransferRegularMinBps":1449,"balanceTransferRegularMaxBps":2400,"balanceTransferIntroAllBps":null,"balanceTransferIntroNoScoreBps":null,"balanceTransferIntroPoorBps":null,"balanceTransferIntroGoodBps":null,"balanceTransferIntroGreatBps":null,"balanceTransferIntroMinBps":null,"balanceTransferIntroMaxBps":null,"cashAdvanceRegularAllBps":1449,"cashAdvanceRegularNoScoreBps":null,"cashAdvanceRegularPoorBps":null,"cashAdvanceRegularGoodBps":null,"cashAdvanceRegularGreatBps":null,"cashAdvanceRegularMinBps":1449,"cashAdvanceRegularMaxBps":2400,"penaltyRegularAllBps":null,"penaltyRegularNoScoreBps":null,"penaltyRegularPoorBps":null,"penaltyRegularGoodBps":null,"penaltyRegularGreatBps":null,"penaltyRegularMinBps":null,"penaltyRegularMaxBps":null,"purchaseIntroDurationMonths":null,"balanceTransferIntroDurationMonths":null,"purchaseIntroNullReason":null,"balanceTransferIntroNullReason":null,"purchaseRateType":"variable","variableRateIndex":"Prime Rate","annualFeeAmountCents":0,"annualFeePercentBps":null,"annualFeeMinimumCents":null,"annualFeeNullReason":null,"purchaseTransactionFeeAmountCents":null,"purchaseTransactionFeePercentBps":null,"purchaseTransactionFeeMinimumCents":null,"purchaseTransactionFeeNullReason":null,"balanceTransferFeeAmountCents":null,"balanceTransferFeePercentBps":null,"balanceTransferFeeMinimumCents":null,"balanceTransferFeeNullReason":null,"cashAdvanceFeeAmountCents":null,"cashAdvanceFeePercentBps":null,"cashAdvanceFeeMinimumCents":null,"cashAdvanceFeeNullReason":null,"foreignTransactionFeeAmountCents":null,"foreignTransactionFeePercentBps":null,"foreignTransactionFeeMinimumCents":null,"foreignTransactionFeeNullReason":null,"latePaymentFeeAmountCents":null,"latePaymentFeePercentBps":null,"latePaymentFeeMinimumCents":null,"latePaymentFeeNullReason":null,"overLimitFeeAmountCents":null,"overLimitFeePercentBps":null,"overLimitFeeMinimumCents":null,"overLimitFeeNullReason":null,"returnedPaymentFeeAmountCents":null,"returnedPaymentFeePercentBps":null,"returnedPaymentFeeMinimumCents":null,"returnedPaymentFeeNullReason":null,"otherFeeAmountCents":null,"otherFeePercentBps":null,"otherFeeMinimumCents":null,"otherFeeNullReason":null,"lateRepeatFeeAmountCents":null,"availabilityScope":null,"availabilityStateCodes":[],"availabilityCountyScoped":null,"requirementsForOpening":null,"requirementRouteTypes":[],"featureTokens":[],"consumerWebsite":null,"consumerTelephone":null,"loanMinimumAmountCents":null,"loanMaximumAmountCents":null,"loanMinimumTermMonths":null,"loanMaximumTermMonths":null,"loanCollateralType":null,"loanRateMinBps":null,"loanRateMaxBps":null,"loanPrepaymentPenalty":null,"sourceKinds":["official_issuer"],"sourceDocumentPath":"oneaz-credit-union/signature-card-pricing-agreement","sourceDocumentTitle":"Signature Card Pricing Agreement","sourceDocumentPage":1,"offerCount":1,"minPurchaseAprBps":1449,"maxPurchaseAprBps":2400,"freshness":"current"},"aprTerms":[{"effectiveFrom":"2026-08-23","effectiveTo":null,"lastObservedAt":"2026-08-23T23:26:06.602Z","sources":[{"snapshotId":"47712","sourceKind":"official_issuer","publisherName":"ONEAZ","capturedAt":"2026-08-23T23:26:06.602Z","effectiveOn":"2026-08-23","effectiveOnBasis":"page_capture","statistic":"range","documentPath":"oneaz-credit-union/signature-card-pricing-agreement","documentTitle":"Signature Card Pricing Agreement","publicUrl":null,"passageId":"430afe76930ea24f9d5231e62a2c83a7","pageNumber":1,"quote":"Balance Transfer APR: 14.49% - 24.00% , based on your creditworthiness and will vary with the market based on the Prime Rate.","recordId":null,"recordFields":[],"fieldKey":"apr:balance_transfer:regular:all:0"}],"purpose":"balance_transfer","phase":"regular","creditTier":"all","balanceTier":0,"balanceFromCents":null,"balanceToCents":null,"rateType":"variable","rateTypeNullReason":null,"minimumBps":1449,"minimumBpsNullReason":null,"medianBps":null,"medianBpsNullReason":"not_applicable","maximumBps":2400,"maximumBpsNullReason":null,"indexName":"Prime Rate","marginBps":null,"marginMinimumBps":null,"marginMinimumBpsNullReason":"not_disclosed","marginMaximumBps":null,"marginMaximumBpsNullReason":"not_disclosed","marginMaximumIsUpperBound":false,"dailyPeriodicRateMinimumPercent":null,"dailyPeriodicRateMinimumPercentNullReason":"not_disclosed","dailyPeriodicRateMaximumPercent":null,"dailyPeriodicRateMaximumPercentNullReason":"not_disclosed","dailyPeriodicRateMaximumIsUpperBound":false,"rateCapBps":null,"rateCapBpsNullReason":"not_disclosed","penaltyTriggers":[],"penaltyTriggerResolution":null,"penaltyDurationValue":null,"penaltyDurationUnit":null,"durationMonths":null,"durationDays":null,"durationBillingCycles":null,"durationBillingCyclesNullReason":null,"eligibilityConditions":null,"eligibilityConditionSources":[],"statistic":"range","metricSources":{"annual_apr":[{"snapshotId":"47712","sourceKind":"official_issuer","publisherName":"ONEAZ","capturedAt":"2026-08-23T23:26:06.602Z","effectiveOn":"2026-08-23","effectiveOnBasis":"page_capture","statistic":"range","documentPath":"oneaz-credit-union/signature-card-pricing-agreement","documentTitle":"Signature Card Pricing Agreement","publicUrl":null,"passageId":"430afe76930ea24f9d5231e62a2c83a7","pageNumber":1,"quote":"Balance Transfer APR: 14.49% - 24.00% , based on your creditworthiness and will vary with the market based on the Prime Rate.","recordId":null,"recordFields":[],"fieldKey":"apr:balance_transfer:regular:all:0"}],"daily_periodic_rate":[],"margin":[]}},{"effectiveFrom":"2026-08-23","effectiveTo":null,"lastObservedAt":"2026-08-23T23:26:06.602Z","sources":[{"snapshotId":"47712","sourceKind":"official_issuer","publisherName":"ONEAZ","capturedAt":"2026-08-23T23:26:06.602Z","effectiveOn":"2026-08-23","effectiveOnBasis":"page_capture","statistic":"range","documentPath":"oneaz-credit-union/signature-card-pricing-agreement","documentTitle":"Signature Card Pricing Agreement","publicUrl":null,"passageId":"64fd9353aede5eac67abb00cec7e0dcc","pageNumber":1,"quote":"Cash Advance APR: 14.49% - 24.00% , based on your creditworthiness and will vary with the market based on the Prime Rate.","recordId":null,"recordFields":[],"fieldKey":"apr:cash_advance:regular:all:0"}],"purpose":"cash_advance","phase":"regular","creditTier":"all","balanceTier":0,"balanceFromCents":null,"balanceToCents":null,"rateType":"variable","rateTypeNullReason":null,"minimumBps":1449,"minimumBpsNullReason":null,"medianBps":null,"medianBpsNullReason":"not_applicable","maximumBps":2400,"maximumBpsNullReason":null,"indexName":"Prime Rate","marginBps":null,"marginMinimumBps":null,"marginMinimumBpsNullReason":"not_disclosed","marginMaximumBps":null,"marginMaximumBpsNullReason":"not_disclosed","marginMaximumIsUpperBound":false,"dailyPeriodicRateMinimumPercent":null,"dailyPeriodicRateMinimumPercentNullReason":"not_disclosed","dailyPeriodicRateMaximumPercent":null,"dailyPeriodicRateMaximumPercentNullReason":"not_disclosed","dailyPeriodicRateMaximumIsUpperBound":false,"rateCapBps":null,"rateCapBpsNullReason":"not_disclosed","penaltyTriggers":[],"penaltyTriggerResolution":null,"penaltyDurationValue":null,"penaltyDurationUnit":null,"durationMonths":null,"durationDays":null,"durationBillingCycles":null,"durationBillingCyclesNullReason":null,"eligibilityConditions":null,"eligibilityConditionSources":[],"statistic":"range","metricSources":{"annual_apr":[{"snapshotId":"47712","sourceKind":"official_issuer","publisherName":"ONEAZ","capturedAt":"2026-08-23T23:26:06.602Z","effectiveOn":"2026-08-23","effectiveOnBasis":"page_capture","statistic":"range","documentPath":"oneaz-credit-union/signature-card-pricing-agreement","documentTitle":"Signature Card Pricing Agreement","publicUrl":null,"passageId":"64fd9353aede5eac67abb00cec7e0dcc","pageNumber":1,"quote":"Cash Advance APR: 14.49% - 24.00% , based on your creditworthiness and will vary with the market based on the Prime Rate.","recordId":null,"recordFields":[],"fieldKey":"apr:cash_advance:regular:all:0"}],"daily_periodic_rate":[],"margin":[]}},{"effectiveFrom":"2026-08-23","effectiveTo":null,"lastObservedAt":"2026-08-23T23:26:06.602Z","sources":[{"snapshotId":"47712","sourceKind":"official_issuer","publisherName":"ONEAZ","capturedAt":"2026-08-23T23:26:06.602Z","effectiveOn":"2026-08-23","effectiveOnBasis":"page_capture","statistic":"range","documentPath":"oneaz-credit-union/signature-card-pricing-agreement","documentTitle":"Signature Card Pricing Agreement","publicUrl":null,"passageId":"5fc590ef69ebbd53ad5db76c7dc2aeaa","pageNumber":1,"quote":"Your APR will be 14.49% - 24.00%, based on your creditworthiness and will vary with the market based on the Prime Rate.","recordId":null,"recordFields":[],"fieldKey":"apr:purchase:regular:all:0"}],"purpose":"purchase","phase":"regular","creditTier":"all","balanceTier":0,"balanceFromCents":null,"balanceToCents":null,"rateType":"variable","rateTypeNullReason":null,"minimumBps":1449,"minimumBpsNullReason":null,"medianBps":null,"medianBpsNullReason":"not_applicable","maximumBps":2400,"maximumBpsNullReason":null,"indexName":"Prime Rate","marginBps":null,"marginMinimumBps":null,"marginMinimumBpsNullReason":"not_disclosed","marginMaximumBps":null,"marginMaximumBpsNullReason":"not_disclosed","marginMaximumIsUpperBound":false,"dailyPeriodicRateMinimumPercent":null,"dailyPeriodicRateMinimumPercentNullReason":"not_disclosed","dailyPeriodicRateMaximumPercent":null,"dailyPeriodicRateMaximumPercentNullReason":"not_disclosed","dailyPeriodicRateMaximumIsUpperBound":false,"rateCapBps":null,"rateCapBpsNullReason":"not_disclosed","penaltyTriggers":[],"penaltyTriggerResolution":null,"penaltyDurationValue":null,"penaltyDurationUnit":null,"durationMonths":null,"durationDays":null,"durationBillingCycles":null,"durationBillingCyclesNullReason":null,"eligibilityConditions":null,"eligibilityConditionSources":[],"statistic":"range","metricSources":{"annual_apr":[{"snapshotId":"47712","sourceKind":"official_issuer","publisherName":"ONEAZ","capturedAt":"2026-08-23T23:26:06.602Z","effectiveOn":"2026-08-23","effectiveOnBasis":"page_capture","statistic":"range","documentPath":"oneaz-credit-union/signature-card-pricing-agreement","documentTitle":"Signature Card Pricing Agreement","publicUrl":null,"passageId":"5fc590ef69ebbd53ad5db76c7dc2aeaa","pageNumber":1,"quote":"Your APR will be 14.49% - 24.00%, based on your creditworthiness and will vary with the market based on the Prime Rate.","recordId":null,"recordFields":[],"fieldKey":"apr:purchase:regular:all:0"}],"daily_periodic_rate":[],"margin":[]}}],"fees":[{"effectiveFrom":"2026-08-23","effectiveTo":null,"lastObservedAt":"2026-08-23T23:26:06.602Z","sources":[{"snapshotId":"47712","sourceKind":"official_issuer","publisherName":"ONEAZ","capturedAt":"2026-08-23T23:26:06.602Z","effectiveOn":"2026-08-23","effectiveOnBasis":"page_capture","statistic":"point","documentPath":"oneaz-credit-union/signature-card-pricing-agreement","documentTitle":"Signature Card Pricing Agreement","publicUrl":null,"passageId":"1696ab464553d42ef836086da6c44840","pageNumber":1,"quote":"None","recordId":null,"recordFields":[],"fieldKey":"annual_fee"}],"feeType":"annual","feeFrequency":"annual","sequence":1,"name":null,"currencyCode":"USD","amountCents":0,"amountNullReason":null,"percentBps":null,"percentNullReason":"not_applicable","minimumAmountCents":null,"maximumAmountCents":null,"maximumPercentBps":null,"maximumPercentNullReason":"not_applicable","feeScope":"account","calculation":"amount_only","explanation":null}],"cardTerms":null,"signupBonuses":[],"cardRewards":[],"cashBenefits":[],"cardLinks":[],"cardWithholdings":[{"observationKind":"card_offer","fieldKey":"disclosure:grace_period:purchase:page:1","reason":"unparsed_value","detail":"This agreement passage is retained verbatim. The pricing interpretation does not replace the complete card-terms declaration.","sources":[{"snapshotId":"47712","sourceKind":"official_issuer","publisherName":"ONEAZ","capturedAt":"2026-08-23T23:26:06.602Z","effectiveOn":"2026-08-23","effectiveOnBasis":"page_capture","statistic":null,"documentPath":"oneaz-credit-union/signature-card-pricing-agreement","documentTitle":"Signature Card Pricing Agreement","publicUrl":null,"passageId":"944d2896bfc687edf0ee5c03d7d3da9e","pageNumber":1,"quote":"Your due date is at least 25 days after the close of each billing cycle. We will not charge any interest on the portion of the purchases balance that you pay by the due date each month.","recordId":null,"recordFields":[],"fieldKey":"withheld:card_offer:disclosure:grace_period:purchase:page:1"}]}],"balanceTransferTerms":[],"loanTerms":null,"loanRateTiers":[],"rateDiscounts":[],"loanWithholdings":[]},"offers":[{"id":"1486","offerKind":"standard","channel":null,"nameAsFiled":"Visa Signature Credit Card","handle":null,"terms":{"productId":"2670","path":"oneaz-credit-union/visa-signature-credit-card","name":"Visa Signature Credit Card","officialName":"Visa Signature Credit Card","aliases":[],"institutionId":"75312","institutionName":"Oneaz Credit Union","institutionHandle":"oneaz-credit-union","issuerName":null,"productType":"credit_card","audience":"consumer","audienceSegments":["consumer"],"lifecycleStatus":"active","offerKind":"standard","channel":null,"secured":null,"network":null,"targetedCreditTier":null,"gracePeriodDays":null,"minimumFinanceChargeCents":null,"balanceComputationMethod":null,"periodicFeeFrequency":null,"periodicFeeCents":0,"periodicFeeMinCents":null,"periodicFeeMaxCents":null,"purchaseRegularAllBps":1449,"purchaseRegularNoScoreBps":null,"purchaseRegularPoorBps":null,"purchaseRegularGoodBps":null,"purchaseRegularGreatBps":null,"purchaseRegularMinBps":1449,"purchaseRegularMaxBps":2400,"purchaseIntroAllBps":null,"purchaseIntroNoScoreBps":null,"purchaseIntroPoorBps":null,"purchaseIntroGoodBps":null,"purchaseIntroGreatBps":null,"purchaseIntroMinBps":null,"purchaseIntroMaxBps":null,"balanceTransferRegularAllBps":1449,"balanceTransferRegularNoScoreBps":null,"balanceTransferRegularPoorBps":null,"balanceTransferRegularGoodBps":null,"balanceTransferRegularGreatBps":null,"balanceTransferRegularMinBps":1449,"balanceTransferRegularMaxBps":2400,"balanceTransferIntroAllBps":null,"balanceTransferIntroNoScoreBps":null,"balanceTransferIntroPoorBps":null,"balanceTransferIntroGoodBps":null,"balanceTransferIntroGreatBps":null,"balanceTransferIntroMinBps":null,"balanceTransferIntroMaxBps":null,"cashAdvanceRegularAllBps":1449,"cashAdvanceRegularNoScoreBps":null,"cashAdvanceRegularPoorBps":null,"cashAdvanceRegularGoodBps":null,"cashAdvanceRegularGreatBps":null,"cashAdvanceRegularMinBps":1449,"cashAdvanceRegularMaxBps":2400,"penaltyRegularAllBps":null,"penaltyRegularNoScoreBps":null,"penaltyRegularPoorBps":null,"penaltyRegularGoodBps":null,"penaltyRegularGreatBps":null,"penaltyRegularMinBps":null,"penaltyRegularMaxBps":null,"purchaseIntroDurationMonths":null,"balanceTransferIntroDurationMonths":null,"purchaseIntroNullReason":null,"balanceTransferIntroNullReason":null,"purchaseRateType":"variable","variableRateIndex":"Prime Rate","annualFeeAmountCents":0,"annualFeePercentBps":null,"annualFeeMinimumCents":null,"annualFeeNullReason":null,"purchaseTransactionFeeAmountCents":null,"purchaseTransactionFeePercentBps":null,"purchaseTransactionFeeMinimumCents":null,"purchaseTransactionFeeNullReason":null,"balanceTransferFeeAmountCents":null,"balanceTransferFeePercentBps":null,"balanceTransferFeeMinimumCents":null,"balanceTransferFeeNullReason":null,"cashAdvanceFeeAmountCents":null,"cashAdvanceFeePercentBps":null,"cashAdvanceFeeMinimumCents":null,"cashAdvanceFeeNullReason":null,"foreignTransactionFeeAmountCents":null,"foreignTransactionFeePercentBps":null,"foreignTransactionFeeMinimumCents":null,"foreignTransactionFeeNullReason":null,"latePaymentFeeAmountCents":null,"latePaymentFeePercentBps":null,"latePaymentFeeMinimumCents":null,"latePaymentFeeNullReason":null,"overLimitFeeAmountCents":null,"overLimitFeePercentBps":null,"overLimitFeeMinimumCents":null,"overLimitFeeNullReason":null,"returnedPaymentFeeAmountCents":null,"returnedPaymentFeePercentBps":null,"returnedPaymentFeeMinimumCents":null,"returnedPaymentFeeNullReason":null,"otherFeeAmountCents":null,"otherFeePercentBps":null,"otherFeeMinimumCents":null,"otherFeeNullReason":null,"lateRepeatFeeAmountCents":null,"availabilityScope":null,"availabilityStateCodes":[],"availabilityCountyScoped":null,"requirementsForOpening":null,"requirementRouteTypes":[],"featureTokens":[],"consumerWebsite":null,"consumerTelephone":null,"loanMinimumAmountCents":null,"loanMaximumAmountCents":null,"loanMinimumTermMonths":null,"loanMaximumTermMonths":null,"loanCollateralType":null,"loanRateMinBps":null,"loanRateMaxBps":null,"loanPrepaymentPenalty":null,"sourceKinds":["official_issuer"],"sourceDocumentPath":"oneaz-credit-union/signature-card-pricing-agreement","sourceDocumentTitle":"Signature Card Pricing Agreement","sourceDocumentPage":1,"offerCount":1,"minPurchaseAprBps":1449,"maxPurchaseAprBps":2400,"freshness":"current"},"aprTerms":[{"effectiveFrom":"2026-08-23","effectiveTo":null,"lastObservedAt":"2026-08-23T23:26:06.602Z","sources":[{"snapshotId":"47712","sourceKind":"official_issuer","publisherName":"ONEAZ","capturedAt":"2026-08-23T23:26:06.602Z","effectiveOn":"2026-08-23","effectiveOnBasis":"page_capture","statistic":"range","documentPath":"oneaz-credit-union/signature-card-pricing-agreement","documentTitle":"Signature Card Pricing Agreement","publicUrl":null,"passageId":"430afe76930ea24f9d5231e62a2c83a7","pageNumber":1,"quote":"Balance Transfer APR: 14.49% - 24.00% , based on your creditworthiness and will vary with the market based on the Prime Rate.","recordId":null,"recordFields":[],"fieldKey":"apr:balance_transfer:regular:all:0"}],"purpose":"balance_transfer","phase":"regular","creditTier":"all","balanceTier":0,"balanceFromCents":null,"balanceToCents":null,"rateType":"variable","rateTypeNullReason":null,"minimumBps":1449,"minimumBpsNullReason":null,"medianBps":null,"medianBpsNullReason":"not_applicable","maximumBps":2400,"maximumBpsNullReason":null,"indexName":"Prime Rate","marginBps":null,"marginMinimumBps":null,"marginMinimumBpsNullReason":"not_disclosed","marginMaximumBps":null,"marginMaximumBpsNullReason":"not_disclosed","marginMaximumIsUpperBound":false,"dailyPeriodicRateMinimumPercent":null,"dailyPeriodicRateMinimumPercentNullReason":"not_disclosed","dailyPeriodicRateMaximumPercent":null,"dailyPeriodicRateMaximumPercentNullReason":"not_disclosed","dailyPeriodicRateMaximumIsUpperBound":false,"rateCapBps":null,"rateCapBpsNullReason":"not_disclosed","penaltyTriggers":[],"penaltyTriggerResolution":null,"penaltyDurationValue":null,"penaltyDurationUnit":null,"durationMonths":null,"durationDays":null,"durationBillingCycles":null,"durationBillingCyclesNullReason":null,"eligibilityConditions":null,"eligibilityConditionSources":[],"statistic":"range","metricSources":{"annual_apr":[{"snapshotId":"47712","sourceKind":"official_issuer","publisherName":"ONEAZ","capturedAt":"2026-08-23T23:26:06.602Z","effectiveOn":"2026-08-23","effectiveOnBasis":"page_capture","statistic":"range","documentPath":"oneaz-credit-union/signature-card-pricing-agreement","documentTitle":"Signature Card Pricing Agreement","publicUrl":null,"passageId":"430afe76930ea24f9d5231e62a2c83a7","pageNumber":1,"quote":"Balance Transfer APR: 14.49% - 24.00% , based on your creditworthiness and will vary with the market based on the Prime Rate.","recordId":null,"recordFields":[],"fieldKey":"apr:balance_transfer:regular:all:0"}],"daily_periodic_rate":[],"margin":[]}},{"effectiveFrom":"2026-08-23","effectiveTo":null,"lastObservedAt":"2026-08-23T23:26:06.602Z","sources":[{"snapshotId":"47712","sourceKind":"official_issuer","publisherName":"ONEAZ","capturedAt":"2026-08-23T23:26:06.602Z","effectiveOn":"2026-08-23","effectiveOnBasis":"page_capture","statistic":"range","documentPath":"oneaz-credit-union/signature-card-pricing-agreement","documentTitle":"Signature Card Pricing Agreement","publicUrl":null,"passageId":"64fd9353aede5eac67abb00cec7e0dcc","pageNumber":1,"quote":"Cash Advance APR: 14.49% - 24.00% , based on your creditworthiness and will vary with the market based on the Prime Rate.","recordId":null,"recordFields":[],"fieldKey":"apr:cash_advance:regular:all:0"}],"purpose":"cash_advance","phase":"regular","creditTier":"all","balanceTier":0,"balanceFromCents":null,"balanceToCents":null,"rateType":"variable","rateTypeNullReason":null,"minimumBps":1449,"minimumBpsNullReason":null,"medianBps":null,"medianBpsNullReason":"not_applicable","maximumBps":2400,"maximumBpsNullReason":null,"indexName":"Prime Rate","marginBps":null,"marginMinimumBps":null,"marginMinimumBpsNullReason":"not_disclosed","marginMaximumBps":null,"marginMaximumBpsNullReason":"not_disclosed","marginMaximumIsUpperBound":false,"dailyPeriodicRateMinimumPercent":null,"dailyPeriodicRateMinimumPercentNullReason":"not_disclosed","dailyPeriodicRateMaximumPercent":null,"dailyPeriodicRateMaximumPercentNullReason":"not_disclosed","dailyPeriodicRateMaximumIsUpperBound":false,"rateCapBps":null,"rateCapBpsNullReason":"not_disclosed","penaltyTriggers":[],"penaltyTriggerResolution":null,"penaltyDurationValue":null,"penaltyDurationUnit":null,"durationMonths":null,"durationDays":null,"durationBillingCycles":null,"durationBillingCyclesNullReason":null,"eligibilityConditions":null,"eligibilityConditionSources":[],"statistic":"range","metricSources":{"annual_apr":[{"snapshotId":"47712","sourceKind":"official_issuer","publisherName":"ONEAZ","capturedAt":"2026-08-23T23:26:06.602Z","effectiveOn":"2026-08-23","effectiveOnBasis":"page_capture","statistic":"range","documentPath":"oneaz-credit-union/signature-card-pricing-agreement","documentTitle":"Signature Card Pricing Agreement","publicUrl":null,"passageId":"64fd9353aede5eac67abb00cec7e0dcc","pageNumber":1,"quote":"Cash Advance APR: 14.49% - 24.00% , based on your creditworthiness and will vary with the market based on the Prime Rate.","recordId":null,"recordFields":[],"fieldKey":"apr:cash_advance:regular:all:0"}],"daily_periodic_rate":[],"margin":[]}},{"effectiveFrom":"2026-08-23","effectiveTo":null,"lastObservedAt":"2026-08-23T23:26:06.602Z","sources":[{"snapshotId":"47712","sourceKind":"official_issuer","publisherName":"ONEAZ","capturedAt":"2026-08-23T23:26:06.602Z","effectiveOn":"2026-08-23","effectiveOnBasis":"page_capture","statistic":"range","documentPath":"oneaz-credit-union/signature-card-pricing-agreement","documentTitle":"Signature Card Pricing Agreement","publicUrl":null,"passageId":"5fc590ef69ebbd53ad5db76c7dc2aeaa","pageNumber":1,"quote":"Your APR will be 14.49% - 24.00%, based on your creditworthiness and will vary with the market based on the Prime Rate.","recordId":null,"recordFields":[],"fieldKey":"apr:purchase:regular:all:0"}],"purpose":"purchase","phase":"regular","creditTier":"all","balanceTier":0,"balanceFromCents":null,"balanceToCents":null,"rateType":"variable","rateTypeNullReason":null,"minimumBps":1449,"minimumBpsNullReason":null,"medianBps":null,"medianBpsNullReason":"not_applicable","maximumBps":2400,"maximumBpsNullReason":null,"indexName":"Prime Rate","marginBps":null,"marginMinimumBps":null,"marginMinimumBpsNullReason":"not_disclosed","marginMaximumBps":null,"marginMaximumBpsNullReason":"not_disclosed","marginMaximumIsUpperBound":false,"dailyPeriodicRateMinimumPercent":null,"dailyPeriodicRateMinimumPercentNullReason":"not_disclosed","dailyPeriodicRateMaximumPercent":null,"dailyPeriodicRateMaximumPercentNullReason":"not_disclosed","dailyPeriodicRateMaximumIsUpperBound":false,"rateCapBps":null,"rateCapBpsNullReason":"not_disclosed","penaltyTriggers":[],"penaltyTriggerResolution":null,"penaltyDurationValue":null,"penaltyDurationUnit":null,"durationMonths":null,"durationDays":null,"durationBillingCycles":null,"durationBillingCyclesNullReason":null,"eligibilityConditions":null,"eligibilityConditionSources":[],"statistic":"range","metricSources":{"annual_apr":[{"snapshotId":"47712","sourceKind":"official_issuer","publisherName":"ONEAZ","capturedAt":"2026-08-23T23:26:06.602Z","effectiveOn":"2026-08-23","effectiveOnBasis":"page_capture","statistic":"range","documentPath":"oneaz-credit-union/signature-card-pricing-agreement","documentTitle":"Signature Card Pricing Agreement","publicUrl":null,"passageId":"5fc590ef69ebbd53ad5db76c7dc2aeaa","pageNumber":1,"quote":"Your APR will be 14.49% - 24.00%, based on your creditworthiness and will vary with the market based on the Prime Rate.","recordId":null,"recordFields":[],"fieldKey":"apr:purchase:regular:all:0"}],"daily_periodic_rate":[],"margin":[]}}],"fees":[{"effectiveFrom":"2026-08-23","effectiveTo":null,"lastObservedAt":"2026-08-23T23:26:06.602Z","sources":[{"snapshotId":"47712","sourceKind":"official_issuer","publisherName":"ONEAZ","capturedAt":"2026-08-23T23:26:06.602Z","effectiveOn":"2026-08-23","effectiveOnBasis":"page_capture","statistic":"point","documentPath":"oneaz-credit-union/signature-card-pricing-agreement","documentTitle":"Signature Card Pricing Agreement","publicUrl":null,"passageId":"1696ab464553d42ef836086da6c44840","pageNumber":1,"quote":"None","recordId":null,"recordFields":[],"fieldKey":"annual_fee"}],"feeType":"annual","feeFrequency":"annual","sequence":1,"name":null,"currencyCode":"USD","amountCents":0,"amountNullReason":null,"percentBps":null,"percentNullReason":"not_applicable","minimumAmountCents":null,"maximumAmountCents":null,"maximumPercentBps":null,"maximumPercentNullReason":"not_applicable","feeScope":"account","calculation":"amount_only","explanation":null}],"cardTerms":null,"signupBonuses":[],"cardRewards":[],"cashBenefits":[],"cardLinks":[],"cardWithholdings":[{"observationKind":"card_offer","fieldKey":"disclosure:grace_period:purchase:page:1","reason":"unparsed_value","detail":"This agreement passage is retained verbatim. The pricing interpretation does not replace the complete card-terms declaration.","sources":[{"snapshotId":"47712","sourceKind":"official_issuer","publisherName":"ONEAZ","capturedAt":"2026-08-23T23:26:06.602Z","effectiveOn":"2026-08-23","effectiveOnBasis":"page_capture","statistic":null,"documentPath":"oneaz-credit-union/signature-card-pricing-agreement","documentTitle":"Signature Card Pricing Agreement","publicUrl":null,"passageId":"944d2896bfc687edf0ee5c03d7d3da9e","pageNumber":1,"quote":"Your due date is at least 25 days after the close of each billing cycle. We will not charge any interest on the portion of the purchases balance that you pay by the due date each month.","recordId":null,"recordFields":[],"fieldKey":"withheld:card_offer:disclosure:grace_period:purchase:page:1"}]}],"balanceTransferTerms":[],"loanTerms":null,"loanRateTiers":[],"rateDiscounts":[],"loanWithholdings":[]}],"documents":[{"snapshotId":"47712","path":"oneaz-credit-union/signature-card-pricing-agreement","title":"Signature Card Pricing Agreement","documentType":"official_issuer_agreement","effectiveDate":null,"effectiveDateNullReason":"not_parsed","issuer":{"name":"Oneaz Credit Union","handle":"oneaz-credit-union"}}]}}