Credit Card Rates
VISA / MasterCard Rates
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Interest Rates and Interest Charges
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| Annual Percentage Rate (APR) for Purchases | Classic/Standard |
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| APR for Cash Advances | Classic/Standard |
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| APR for Balance Transfers | Classic/Standard 11.75% to 18.00% when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate. Platinum 11.50% to 18.00% when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate. Shared Secured 18.00% This APR is a fixed rate. Business Advantage MasterCard 11.50% to 18.00% This APR will vary with the market based on the Prime Rate. |
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| Minimum Interest Charge | If you are charged interest, the charge will be no less than $1.00. The minimum interest charge will be charged on any dollar amount. |
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| 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. |
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| 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 website of the Federal Reserve Board at http://www.federalreserve.gov/creditcard. |
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Fees
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Transaction Fees
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$2.00 or 2% of the amount of each balance transfer, whichever is greater (Maximum Fee: $30.00). $2.00 or 2% of the amount of each cash advance, whichever is greater. 1% of each transaction in U.S. Dollars |
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Penalty Fees
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Up to $15.00 Up to $25.00 |
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How We 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 the application is accurate as of August 22, 2010. This information may have changed after that date. To find out what may have changed, contact the Credit Union.
| OTHER DISCLOSURES | |
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Late Payment Fee |
$15.00 or the amount of the required minimum payment, whichever is less, if you are 15 or more days late in making a payment. |
| Returned Payment Fee |
$25.00 or the amount of the required minimum payment, whichever is less. |
| Statement Copy Fee | $4.00 |
| Rush Fee | $45.00 |
| Emergency Card Replacement Fee | $55.00 |
| Pay By www.gotomycard.com | FREE |
| Pay By Phone Fee (Processor) | $10.00 |
| Pay By Phone Fee (CU Teller) | $1.00 |
| Business Advantage MasterCard | $35.00 Annual Fee |
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