Interest Rates and Interest Charges

Annual Percentage Rate (APR) for Purchases

7.90% to 17.90% when you open your account, based on your creditworthiness.

APR for Balance Transfers

7.90% to 17.90% when you open your account, based on your creditworthiness.

APR for Cash Advances

7.90% to 17.90% when you open your account, based on your creditworthiness

Penalty APR and When it Applies

None

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.

Fees

Transaction Fees

Foreign Transaction Fee

1.00% of each transaction in U.S. dollars

Penalty Fees

Late Payment Fee

Up to $25

Returned Payment Fee

Up to $25

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 December 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, if you are five (5) or more days late in making a payment.

Returned Payment Fee

$25 in the amount of the required minimum payment, whichever is less.

Pay-by-Phone Fee

$10.00