9.74% to 15.99% when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
APR for Cash Advances
9.74 to 15.99% when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
APR for Balance Transfers
6.99% introductory APR until August 31, 2012. When the introductory period expires on August 31, 2012, your APR will be 9.74% to 15.99%, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
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
Foreign Transaction Fee
1.00% of each multiple currency transaction in U.S. dollars 0.80% of each single currency transaction in U.S. dollars
Penalty Fees
Late Payment Fee
$20.00
Over-the-Credit-Limit Fee
None
Returned Payment Fee
$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 August 15, 2010. This information may have changed after that date. To find out what may have changed, contact the Credit Union.
Savings Federally Insured to at least $250,000 by NCUA and backed by the full faith and credit of the United States Government. Savings insured an additional $250,000 with Excess Share Insurance, for combined coverage of $500,000. We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act.
