{"data":{"path":"team-one-credit-union/new-beginnings","artwork":null,"name":"New Beginnings","officialName":"New Beginnings","type":"credit_card","audience":"consumer","lifecycleStatus":"active","owner":{"name":"Team One Credit Union","handle":"team-one-credit-union"},"institution":{"name":"Team One Credit Union","handle":"team-one-credit-union"},"actualIssuerName":null,"standardOffer":{"id":"2541","offerKind":"standard","channel":null,"nameAsFiled":"New Beginnings","handle":null,"terms":{"productId":"3725","path":"team-one-credit-union/new-beginnings","name":"New Beginnings","officialName":"New Beginnings","aliases":[],"institutionId":"75444","institutionName":"Team One Credit Union","institutionHandle":"team-one-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":2500,"periodicFeeMinCents":null,"periodicFeeMaxCents":null,"purchaseRegularAllBps":null,"purchaseRegularNoScoreBps":null,"purchaseRegularPoorBps":null,"purchaseRegularGoodBps":null,"purchaseRegularGreatBps":null,"purchaseRegularMinBps":null,"purchaseRegularMaxBps":null,"purchaseIntroAllBps":null,"purchaseIntroNoScoreBps":null,"purchaseIntroPoorBps":null,"purchaseIntroGoodBps":null,"purchaseIntroGreatBps":null,"purchaseIntroMinBps":null,"purchaseIntroMaxBps":null,"balanceTransferRegularAllBps":null,"balanceTransferRegularNoScoreBps":null,"balanceTransferRegularPoorBps":null,"balanceTransferRegularGoodBps":null,"balanceTransferRegularGreatBps":null,"balanceTransferRegularMinBps":null,"balanceTransferRegularMaxBps":null,"balanceTransferIntroAllBps":null,"balanceTransferIntroNoScoreBps":null,"balanceTransferIntroPoorBps":null,"balanceTransferIntroGoodBps":null,"balanceTransferIntroGreatBps":null,"balanceTransferIntroMinBps":null,"balanceTransferIntroMaxBps":null,"cashAdvanceRegularAllBps":null,"cashAdvanceRegularNoScoreBps":null,"cashAdvanceRegularPoorBps":null,"cashAdvanceRegularGoodBps":null,"cashAdvanceRegularGreatBps":null,"cashAdvanceRegularMinBps":null,"cashAdvanceRegularMaxBps":null,"penaltyRegularAllBps":null,"penaltyRegularNoScoreBps":null,"penaltyRegularPoorBps":null,"penaltyRegularGoodBps":null,"penaltyRegularGreatBps":null,"penaltyRegularMinBps":null,"penaltyRegularMaxBps":null,"purchaseIntroDurationMonths":null,"balanceTransferIntroDurationMonths":null,"purchaseIntroNullReason":"unknown","balanceTransferIntroNullReason":"unknown","purchaseRateType":null,"variableRateIndex":null,"annualFeeAmountCents":2500,"annualFeePercentBps":null,"annualFeeMinimumCents":null,"annualFeeNullReason":null,"purchaseTransactionFeeAmountCents":null,"purchaseTransactionFeePercentBps":null,"purchaseTransactionFeeMinimumCents":null,"purchaseTransactionFeeNullReason":"unknown","balanceTransferFeeAmountCents":null,"balanceTransferFeePercentBps":null,"balanceTransferFeeMinimumCents":null,"balanceTransferFeeNullReason":"unknown","cashAdvanceFeeAmountCents":null,"cashAdvanceFeePercentBps":null,"cashAdvanceFeeMinimumCents":null,"cashAdvanceFeeNullReason":"unknown","foreignTransactionFeeAmountCents":null,"foreignTransactionFeePercentBps":null,"foreignTransactionFeeMinimumCents":null,"foreignTransactionFeeNullReason":"unknown","latePaymentFeeAmountCents":null,"latePaymentFeePercentBps":null,"latePaymentFeeMinimumCents":null,"latePaymentFeeNullReason":"unknown","overLimitFeeAmountCents":null,"overLimitFeePercentBps":null,"overLimitFeeMinimumCents":null,"overLimitFeeNullReason":"unknown","returnedPaymentFeeAmountCents":null,"returnedPaymentFeePercentBps":null,"returnedPaymentFeeMinimumCents":null,"returnedPaymentFeeNullReason":"unknown","otherFeeAmountCents":null,"otherFeePercentBps":null,"otherFeeMinimumCents":null,"otherFeeNullReason":"unknown","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":null,"sourceDocumentTitle":null,"sourceDocumentPage":null,"offerCount":1,"minPurchaseAprBps":null,"maxPurchaseAprBps":null,"freshness":"current"},"aprTerms":[],"fees":[{"effectiveFrom":"2026-10-14","effectiveTo":null,"lastObservedAt":"2026-10-14T03:04:16.467Z","sources":[{"snapshotId":"51844","sourceKind":"official_issuer","publisherName":"TEAM ONE","capturedAt":"2026-10-14T03:04:16.467Z","effectiveOn":"2026-10-14","effectiveOnBasis":"page_capture","statistic":"point","documentPath":null,"documentTitle":null,"publicUrl":"https://www.teamonecu.org/personal/credit-cards/visa-credit-cards","passageId":"5f8abecc15561a9478a39b3d68172694","pageNumber":null,"quote":"Low $25 Annual Fee","recordId":"official-issuer:page:url:c8c9013cdba6ae68265f9da5f15fadd478c8b2b421ba0aba53de1d1e5644a222","recordFields":[],"fieldKey":"annual_fee"}],"feeType":"annual","feeFrequency":"annual","sequence":1,"name":null,"currencyCode":"USD","amountCents":2500,"amountNullReason":null,"percentBps":null,"percentNullReason":"not_applicable","minimumAmountCents":null,"maximumAmountCents":null,"maximumPercentBps":null,"maximumPercentNullReason":"not_applicable","feeScope":"account","calculation":"amount_only","explanation":"Low $25 Annual Fee"}],"cardTerms":null,"signupBonuses":[],"cardRewards":[],"cashBenefits":[],"cardLinks":[{"effectiveFrom":"2026-10-14","effectiveTo":null,"lastObservedAt":"2026-10-14T03:04:16.467Z","sources":[{"snapshotId":"51844","sourceKind":"official_issuer","publisherName":"TEAM ONE","capturedAt":"2026-10-14T03:04:16.467Z","effectiveOn":"2026-10-14","effectiveOnBasis":"page_capture","statistic":"term","documentPath":null,"documentTitle":null,"publicUrl":"https://www.teamonecu.org/personal/credit-cards/visa-credit-cards","passageId":"a4fc2aab1a63527358744f73c6401f78","pageNumber":null,"quote":"Summary of Terms","recordId":"official-issuer:page:url:c8c9013cdba6ae68265f9da5f15fadd478c8b2b421ba0aba53de1d1e5644a222","recordFields":[],"fieldKey":"card_link"}],"linkKey":"disclosure","linkKind":"disclosure","url":"https://www.teamonecu.org/assets/files/JoeiQW8o","label":"Summary of Terms"}],"cardWithholdings":[{"observationKind":"card_apr","fieldKey":"regular-apr","reason":"unparsed_value","detail":"At 16.9% APR, the estimated payment would be 24 monthly payments of approximately $49.39 per $1,000.00 borrowed. Actual APRs will vary based on credit qualifications, amount, and term. Rates range from 16.90% to 19.90% APR. Subject to approval of credit application.","sources":[{"snapshotId":"51844","sourceKind":"official_issuer","publisherName":"TEAM ONE","capturedAt":"2026-10-14T03:04:16.467Z","effectiveOn":"2026-10-14","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.teamonecu.org/personal/credit-cards/visa-credit-cards","passageId":"6ed53ae166d4494de4351316c6288556","pageNumber":null,"quote":"At 16.9% APR, the estimated payment would be 24 monthly payments of approximately $49.39 per $1,000.00 borrowed. Actual APRs will vary based on credit qualifications, amount, and term. Rates range from 16.90% to 19.90% APR. Subject to approval of credit application.","recordId":"official-issuer:page:url:c8c9013cdba6ae68265f9da5f15fadd478c8b2b421ba0aba53de1d1e5644a222","recordFields":[],"fieldKey":"withheld:card_apr:regular-apr"}]}],"balanceTransferTerms":[],"loanTerms":null,"loanRateTiers":[],"rateDiscounts":[],"loanWithholdings":[]},"offers":[{"id":"2541","offerKind":"standard","channel":null,"nameAsFiled":"New Beginnings","handle":null,"terms":{"productId":"3725","path":"team-one-credit-union/new-beginnings","name":"New Beginnings","officialName":"New Beginnings","aliases":[],"institutionId":"75444","institutionName":"Team One Credit Union","institutionHandle":"team-one-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":2500,"periodicFeeMinCents":null,"periodicFeeMaxCents":null,"purchaseRegularAllBps":null,"purchaseRegularNoScoreBps":null,"purchaseRegularPoorBps":null,"purchaseRegularGoodBps":null,"purchaseRegularGreatBps":null,"purchaseRegularMinBps":null,"purchaseRegularMaxBps":null,"purchaseIntroAllBps":null,"purchaseIntroNoScoreBps":null,"purchaseIntroPoorBps":null,"purchaseIntroGoodBps":null,"purchaseIntroGreatBps":null,"purchaseIntroMinBps":null,"purchaseIntroMaxBps":null,"balanceTransferRegularAllBps":null,"balanceTransferRegularNoScoreBps":null,"balanceTransferRegularPoorBps":null,"balanceTransferRegularGoodBps":null,"balanceTransferRegularGreatBps":null,"balanceTransferRegularMinBps":null,"balanceTransferRegularMaxBps":null,"balanceTransferIntroAllBps":null,"balanceTransferIntroNoScoreBps":null,"balanceTransferIntroPoorBps":null,"balanceTransferIntroGoodBps":null,"balanceTransferIntroGreatBps":null,"balanceTransferIntroMinBps":null,"balanceTransferIntroMaxBps":null,"cashAdvanceRegularAllBps":null,"cashAdvanceRegularNoScoreBps":null,"cashAdvanceRegularPoorBps":null,"cashAdvanceRegularGoodBps":null,"cashAdvanceRegularGreatBps":null,"cashAdvanceRegularMinBps":null,"cashAdvanceRegularMaxBps":null,"penaltyRegularAllBps":null,"penaltyRegularNoScoreBps":null,"penaltyRegularPoorBps":null,"penaltyRegularGoodBps":null,"penaltyRegularGreatBps":null,"penaltyRegularMinBps":null,"penaltyRegularMaxBps":null,"purchaseIntroDurationMonths":null,"balanceTransferIntroDurationMonths":null,"purchaseIntroNullReason":"unknown","balanceTransferIntroNullReason":"unknown","purchaseRateType":null,"variableRateIndex":null,"annualFeeAmountCents":2500,"annualFeePercentBps":null,"annualFeeMinimumCents":null,"annualFeeNullReason":null,"purchaseTransactionFeeAmountCents":null,"purchaseTransactionFeePercentBps":null,"purchaseTransactionFeeMinimumCents":null,"purchaseTransactionFeeNullReason":"unknown","balanceTransferFeeAmountCents":null,"balanceTransferFeePercentBps":null,"balanceTransferFeeMinimumCents":null,"balanceTransferFeeNullReason":"unknown","cashAdvanceFeeAmountCents":null,"cashAdvanceFeePercentBps":null,"cashAdvanceFeeMinimumCents":null,"cashAdvanceFeeNullReason":"unknown","foreignTransactionFeeAmountCents":null,"foreignTransactionFeePercentBps":null,"foreignTransactionFeeMinimumCents":null,"foreignTransactionFeeNullReason":"unknown","latePaymentFeeAmountCents":null,"latePaymentFeePercentBps":null,"latePaymentFeeMinimumCents":null,"latePaymentFeeNullReason":"unknown","overLimitFeeAmountCents":null,"overLimitFeePercentBps":null,"overLimitFeeMinimumCents":null,"overLimitFeeNullReason":"unknown","returnedPaymentFeeAmountCents":null,"returnedPaymentFeePercentBps":null,"returnedPaymentFeeMinimumCents":null,"returnedPaymentFeeNullReason":"unknown","otherFeeAmountCents":null,"otherFeePercentBps":null,"otherFeeMinimumCents":null,"otherFeeNullReason":"unknown","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":null,"sourceDocumentTitle":null,"sourceDocumentPage":null,"offerCount":1,"minPurchaseAprBps":null,"maxPurchaseAprBps":null,"freshness":"current"},"aprTerms":[],"fees":[{"effectiveFrom":"2026-10-14","effectiveTo":null,"lastObservedAt":"2026-10-14T03:04:16.467Z","sources":[{"snapshotId":"51844","sourceKind":"official_issuer","publisherName":"TEAM ONE","capturedAt":"2026-10-14T03:04:16.467Z","effectiveOn":"2026-10-14","effectiveOnBasis":"page_capture","statistic":"point","documentPath":null,"documentTitle":null,"publicUrl":"https://www.teamonecu.org/personal/credit-cards/visa-credit-cards","passageId":"5f8abecc15561a9478a39b3d68172694","pageNumber":null,"quote":"Low $25 Annual Fee","recordId":"official-issuer:page:url:c8c9013cdba6ae68265f9da5f15fadd478c8b2b421ba0aba53de1d1e5644a222","recordFields":[],"fieldKey":"annual_fee"}],"feeType":"annual","feeFrequency":"annual","sequence":1,"name":null,"currencyCode":"USD","amountCents":2500,"amountNullReason":null,"percentBps":null,"percentNullReason":"not_applicable","minimumAmountCents":null,"maximumAmountCents":null,"maximumPercentBps":null,"maximumPercentNullReason":"not_applicable","feeScope":"account","calculation":"amount_only","explanation":"Low $25 Annual Fee"}],"cardTerms":null,"signupBonuses":[],"cardRewards":[],"cashBenefits":[],"cardLinks":[{"effectiveFrom":"2026-10-14","effectiveTo":null,"lastObservedAt":"2026-10-14T03:04:16.467Z","sources":[{"snapshotId":"51844","sourceKind":"official_issuer","publisherName":"TEAM ONE","capturedAt":"2026-10-14T03:04:16.467Z","effectiveOn":"2026-10-14","effectiveOnBasis":"page_capture","statistic":"term","documentPath":null,"documentTitle":null,"publicUrl":"https://www.teamonecu.org/personal/credit-cards/visa-credit-cards","passageId":"a4fc2aab1a63527358744f73c6401f78","pageNumber":null,"quote":"Summary of Terms","recordId":"official-issuer:page:url:c8c9013cdba6ae68265f9da5f15fadd478c8b2b421ba0aba53de1d1e5644a222","recordFields":[],"fieldKey":"card_link"}],"linkKey":"disclosure","linkKind":"disclosure","url":"https://www.teamonecu.org/assets/files/JoeiQW8o","label":"Summary of Terms"}],"cardWithholdings":[{"observationKind":"card_apr","fieldKey":"regular-apr","reason":"unparsed_value","detail":"At 16.9% APR, the estimated payment would be 24 monthly payments of approximately $49.39 per $1,000.00 borrowed. Actual APRs will vary based on credit qualifications, amount, and term. Rates range from 16.90% to 19.90% APR. Subject to approval of credit application.","sources":[{"snapshotId":"51844","sourceKind":"official_issuer","publisherName":"TEAM ONE","capturedAt":"2026-10-14T03:04:16.467Z","effectiveOn":"2026-10-14","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.teamonecu.org/personal/credit-cards/visa-credit-cards","passageId":"6ed53ae166d4494de4351316c6288556","pageNumber":null,"quote":"At 16.9% APR, the estimated payment would be 24 monthly payments of approximately $49.39 per $1,000.00 borrowed. Actual APRs will vary based on credit qualifications, amount, and term. Rates range from 16.90% to 19.90% APR. Subject to approval of credit application.","recordId":"official-issuer:page:url:c8c9013cdba6ae68265f9da5f15fadd478c8b2b421ba0aba53de1d1e5644a222","recordFields":[],"fieldKey":"withheld:card_apr:regular-apr"}]}],"balanceTransferTerms":[],"loanTerms":null,"loanRateTiers":[],"rateDiscounts":[],"loanWithholdings":[]}],"documents":[]}}