|
Interest Rates and Interest Charges |
| Annual Percentage
Rate (APR)
for Purchases |
Visa Platinum
9.0% or 9.90%
when you open your account,
based on your creditworthiness.
Visa Classic
9.0%, 9.90%, 10.90%, 11.90%,
or 14.90%
when you open your account,
based on your creditworthiness. |
|
APR for Cash Advances |
Visa Platinum
9.0% or 9.90%
when you open your account,
based on your creditworthiness.
Visa Classic
9.0%, 9.90%, 10.90%, 11.90%, or
14.90%
when you open your account,
based on your creditworthiness. |
| APR
for Balance Transfers |
Visa Platinum
9.0% or 9.90%
when you open your account,
based on your creditworthiness.
Visa Classic
9.0%, 9.90%, 10.90%, 11.90%, or
14.90%
when you open your account,
based on your creditworthiness. |
|
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
• Balance Transfer Fee
• Foreign Transaction Fee |
$15.00 or 2.00% of the amount of each balance transfer,
whichever is greater
1.00% of each transaction in U.S. dollars |
Penalty Fees
• Late Payment Fee
• Returned payment Fee |
$20.00
$25.00 |
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
April 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 |
$20.00 if you are
ten (10) or more days late |
| Rush Fee |
$17.00 |
| Emergency Card
Replacement Fee |
$17.00 |
| Research Fee |
$25.00 |
|
