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Interest Rates and Interest Charges
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Annual Percentage Rate (APR)
for Purchases
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VISA Classic
10.90%
VISA Platinum
10.90%
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APR for Cash Advances
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VISA Classic
12.50%
VISA Platinum
12.50%
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APR for Balance Transfers
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VISA Classic
12.50%
VISA Platinum
12.50%
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How to Avoid Paying Interest on Purchases
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Your due date is at least 25 days after the close of each billing cycle. We do not charge you interest on purchases if you pay your entire balance by the due date each month.
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For Credit Card Tips from the Federal Reserve Board
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Fees
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Transaction Fees
Cash Advance Fee
Foreign Transaction Fee |
$5.00 or 2.00% of the amount of each cash advance, whichever is greater.
1.00% of each multiple currency transactions in U.S. dollars
0.80% of each single currency transaction in U.S. dollars
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Penalty Fees
Late Payment Fee
Returned Payment Fee |
$35.00
$32.00
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How We Will Calculate Your Balance. We use a method called "average daily balance (including new purchases)"
Effective Date. The information about the costs of the card described in this application is accurate as of December 1, 2010. This information may have changed after that date. To find out what may have changed, contact the Credit Union toll free at 877-884-0112.
OTHER DISCLOSURES
| Late Payment Fee |
$25.00 or the amount of the required minimum payment, whichever is less, if you are seven (7) or more days late in making a payment. In the even you fail to make a payment on time in any of the six (6) billing cycles following the violation, you will be charged $35.00 or the amount of the required minimum payment, whichever is less. |
| Returned Payment Fee |
$32.00 or the amount of the required minimum payment, whichever is less.
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| Statement Copy Fee |
$4.00 |
| Rush Fee |
$30.00 |
| PIN Replacement Fee |
$5.00 |
| Card Replacement Fee |
$15.00 |
