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Interest Rates and Interest Charges
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Annual Percentage Rate (APR)
for Purchases
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10.90% VISA Classic
10.90% VISA Platinum
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APR for Cash Advances
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12.50% VISA Classic
12.50% VISA Platinum
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APR for Balance Transfers
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12.50% VISA Classic
12.50% VISA Platinum
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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 |
$25.00
$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 July 1, 2010. This information may have changed after that date. To find out what may have changed, contact the Credit Union.
OTHER DISCLOSURES
| Late Payment Fee |
$25.00 if you are seven (7) or more days late |
| Statement Copy Fee |
$4.00 |
| Rush Fee |
$30.00 |
| PIN Replacement Fee |
$5.00 |
| Card Replacement Fee |
$15.00 |
