Loan Rates

MasterCard Disclosure

Interest Rates and Interest Charges

Annual Percentage Rate (APR)

for Purchases

8.49% to 17.99%

when you open your account, based on your creditworthiness.

APR for Cash Advances

17.99%

APR for Balance Transfers

8.49% to 17.99% when you open your account, based on your creditworthiness.

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 interest on purchases if you pay your entire balance by the due date each month.

Minimum Interest Charge

If you are charged interest, the charge will be no less than $1.00. The minimum interest charge will not be charged on amounts below $1.00.

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 -

Application Fee

$10.00 (one-time fee)

Transaction Fees -

Foreign Transaction Fee

1.00% of each transaction in U.S. dollars

Penalty Fees -

- Late Payment Fee

- Returned Payment Fee

Up to $25.00

Up to $25.00

How We Will Calculate Your Balance.     We use a method called "average daily balance (excluding new purchases)."

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

Statement Copy Fee

$3.00

Document Copy Fee

$3.00

Rush Fee

$50.00

PIN Replacement Fee

$2.00

Card Replacement Fee

$15.00