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VISA / MasterCard Rates

Interest Rates and Interest Charges

Annual Percentage Rate (APR) for Purchases

Classic/Standard
9.75% 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
9.50% 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
16.00%
This APR is fixed rate.
Business Advantage MasterCard
11.50%- 16.75%
when you open your account, based on your creditworthiness. This APR is a fixed rate.

APR for Cash Advances

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 fixed rate.

Business Advantage MasterCard
13.50% to 18.00%
This APR will vary with the market based on the Prime Rate.

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.
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.
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 website of the Federal Reserve Board at http://www.federalreserve.gov/creditcard
Fees

Transaction Fees
  • Balance Transfer
  • Cash Advance
  • Foreign Transaction

$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
Penalty Fees
  • Late Payment
  • Returned Payment

Up to $15.00
Up to $25.00

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

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