Annual Percentage Rate (APR) for Purchases
13.50%, 14.50%, 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
13.50%, 14.40%, 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
13.50%, 14.50%, 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 1, 2023. 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 |