Credit Cards

 

 

MasterCard

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Mastercard

VISA

Visa

To report any Credit Card (MasterCard/Visa) lost or stolen call 1-800-449-7728 immediately.

For customer support call 24/7 at 1-866-820-3772.

 

 

 

VISA PLATINUM AND PLATINUM MASTERCARD

Interest Rates and Interest Charges

 
Annual Percentage Rate (APR) for Purchases

Visa Platinum


6.90% Introductory APR for a period of six (6) billing cycles.

 

After that your APR will be 7.50% to 15.90% , based on your creditworthiness.


Platinum MasterCard


6.90% Introductory APR for a period of six (6) billing cycles.

 

After that your APR will be 7.50% to 15.90% , based on your creditworthiness.

APR for Balance Transfers

Visa Platinum


6.90% Introductory APR for a period of six (6) billing cycles.

 

After that your APR will be 7.50% to 15.90% based on your creditworthiness.

 

Platinum MasterCard

 

6.90% Introductory APR for a period of six (6) billing cycles.

 

After that your APR will be 7.50% to 15.90% based on your creditworthiness.

APR for Cash Advances

Visa Platinum

15.25%

 

Platinum MasterCard

15.25%

Penalty APR and When it Applies

Visa Platinum

 

17.90%

 

Platinum MasterCard

 

17.90%

 

This APR may be applied to your account if you:
- Make a late payment

 

How Long Will the Penalty APR Apply?If your APRs are increased for this reason, the Penalty APR will apply until you make six (6) consecutive minimum payments when due.

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 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

Transaction Fees

 

- Balance Transfer Fee

 

 

$2.00 or 2.00% of the amount of each balance transfer, whichever is greater (Maximum Fee: $30.00 )

- Cash Advance Fee $2.00 or 2.00% of the amount of each cash advance, whichever is greater (Maximum Fee: $30.00 )
- Foreign Transaction Fee 1.00% of each transaction in U.S. dollars

Penalty Fees


- Late Payment Fee

 

 

Up to $25.00

 

- Returned Payment Fee Up to $25.00
   

How We Will Calculate Your Balance. We use a method called “average daily balance (including new purchases).”

 

Loss of Introductory APR. We may end your Introductory APR if you are 30 days late twice in a six (6) month period. With the loss of your Introductory APR, your APR for Visa Platinum will be a rate of 7.50% to 15.90% based on your creditworthiness.

 

Application of Penalty APR. Your APR may be increased to the disclosed Penalty APR if you are 30 days late twice in a six (6) month period.

 

Effective Date.

The information about the costs of the card described in this application is accurate as of November 1, 2012. This information may have changed after that date. To find out what may have changed, contact the Credit Union.

 

 

OTHER DISCLOSURES
   

Late Payment Fee

$25.00 or the amount of the required minimum payment, whichever is less.

Returned Payment Fee

$25.00 or the amount of the required minimum payment, whichever is less.

Statement Copy Fee

$4.00

Document Copy Fee

$4.00

Rush Fee

$27.00

Stop Payment Fee

$27.00