Florida Department of Transportation Credit Union - DOT
Locations & Hours
Tallahassee | Lake City
DOT Credit  Union Locations
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Loan Rates

VISA Credit Card Rates
Interest Rates and Interest Charges
Annual Percentage Rate (APR)
for Purchases
10.90% VISA Classic
10.90% VISA Platinum
APR for Cash Advances
12.50% VISA Classic
12.50% VISA Platinum
APR for Balance Transfers
12.50% VISA Classic
12.50% VISA Platinum
How to Avoid Paying Interest on Purchases
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.
For Credit Card Tips from the Federal Reserve Board
To learn more about factors to consider when applying for or using a credit card, visit the Web site of the Federal Reserve Board at http://www.federalreserve.gov/creditcard.
Fees
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
 
Penalty Fees
Late Payment Fee
Returned Payment Fee

$25.00
$32.00

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