Annual Percentage Rate (APR) for Purchases

10.00%, 11.00%, 15.00%, or 18.00% 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

10.00%, 11.00%, 15.00%, or 18.00% 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

10.00%, 11.00%, 15.00%, or 18.00% when you open your account, 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 will not charge you any interest on purchases if you pay your entire balance by the due date each month.

For Credit Card Tips from the Consumer Financial Protection Bureau

To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore.

Fees

Set-up and Maintenance Fees

Fee Type Fee Amount
Annual Fee None
Account Set-Up Fee None
Program Fee None
Participation Fee None
Additional Card Fee None
Application Fee None

Transaction Fees

Fee Type Fee Amount
Balance Transfer Fee None
Cash Advance Fee None
Foreign Transaction Fee 1.00% of each transaction in U.S. dollars
Transaction Fee for Purchases None

Penalty Fees

Fee Type Fee Amount
Late Payment Fee Up to $20.00
Over-the-Credit Limit Fee None
Returned Payment Fee Up to $20.00

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 15, 2018. This information may have changed after that date. To find out what may have changed, contact the Credit Union.

Other Disclosures

Fee Type Fee Amount
Late Payment Fee $20.00 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 $20.00 or the amount of the required minimum payment, whichever is less.
Statement Copy Fee $5.00 per document
Rush Fee $20.00 2nd day
Card Replacement Fee $5.00
Pay-by-Phone Fee $10.00