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Credit Card Disclosure

Type of interest charge can be found in the first column, followed by the amount of the interest and more information on interest.

Interest Rates and Interest Charges
Annual Percentage Rate (APR) for Purchases12.90%
APR for Balance Transfers12.90%
APR for Cash Advances12.90%
Paying InterestYour 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. We will begin charging interest on cash advances on the transaction date.
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.

Type of fee can be found in the first column, followed by the amount of the fee in the next column.

Fees
Annual FeeNone
Transaction Fees
- Foreign Transaction Fee
None
Penalty Fees
- Late Payment Fee
- Returned Payment Fee

Up to $10.00
Up to $15.00

How We Will Calculate Your Balance. We use a method called “average daily balance (including new purchases).” See your account Agreement for more details.

Billing Rights. Information on your rights to dispute transactions and how to exercise those rights is provided in your account Agreement.

Effective Date. The information about the costs of the card described in this application is accurate as of September 1, 2017. This information may have changed after that date. To find out what may have changed, contact the Credit Union.

Type of fee can be found in the first column, followed by the amount of the fee in the next column.

Other Disclosures
Late Payment Fee$10.00 or the amount of the required minimum payment, whichever is less, if you are one (1) or more days late in making a payment.
Returned Payment Fee$15.00 or the amount of the required minimum payment, whichever is less.
Card Replacement Fee

$10.00

Collection Costs. You agree to pay all costs of collecting the amount you owe under this Agreement, including court costs and reasonable attorney’s fees.

Periodic Rates.
The Purchase APR is 12.90% which is a monthly periodic rate of 1.0750%.
The Cash Advance APR is 12.90% which is a monthly periodic rate of 1.0750%.
The Balance Transfer APR is 12.90% which is a monthly periodic rate of 1.0750%.