First Tech Fed First

Showing general rates

All Credit Cards

Effective Date : October 1, 2017

Account

Annual Percentage Rate

Loan Amount
(min/max)

Loan Term

Odyssey Rewards World Elite MasterCard

as low as 11.99%

$25,000/$100,000

revolving

Choice Rewards World MasterCard

as low as 10.99%

$10,000/$35,000

revolving

Platinum Rewards MasterCard

as low as 10.99%

$500/$25,000

revolving

Platinum MasterCard

as low as 9.99%

$500/$25,000

revolving

Platinum Secured MasterCard

17.00%

$500/$25,000

revolving

Platinum MasterCard®, Platinum Rewards MasterCard, Platinum Secured MasterCard, Choice Rewards World

MasterCard, and Odyssey Rewards® World Elite MasterCard Card Application Disclosure

This information is accurate as of 07.19.17 and is subject to change after this date. For current information, please contact
First Tech Federal Credit Union at PO Box 2100, Beaverton, OR 97075-2100, call us at 855.855.8805 or visit
firsttechfed.com

Interest Rate and Charges

Odyssey Rewards World Elite
MasterCard:

11.99% to 18.00%
your account, based on your credit worthiness

 when you open

Platinum MasterCard:

Annual Percentage Rate
(APR) for Purchases

Platinum Rewards MasterCard:

Choice Rewards World MasterCard:

9.99% to 18.00%
your account, based on your credit worthiness

 when you open

10.99% to 18.00%
your account, based on your credit worthiness

 when you open

10.99% to 18.00%
your account, based on your credit worthiness

 when you open

Platinum Secured MasterCard:

17.00%

After that your APR will vary with the market based on the Prime Rate.

0.00% introductory APR for the first twelve billing cycles on balances transferred during
the first 90 days after account opening. After that:

Odyssey Rewards World Elite
MasterCard:

11.99% to 18.00% when you open your
account, based on your credit worthiness

APR for Balance
Transfers

Platinum MasterCard:

Platinum Rewards MasterCard:

Choice Rewards World MasterCard:

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9.99% to 18.00% when you open your
account, based on your credit worthiness

10.99% to 18.00% when you open your
account, based on your credit worthiness

10.99% to 18.00% when you open your
account, based on your credit worthiness

First Tech Fed First

Your APR will vary with the market based on the Prime Rate.

Odyssey Rewards World Elite
MasterCard:

12.99% to 18.00% when you open your
account, based on your credit worthiness

Platinum MasterCard:

APR for Cash Advances

Platinum Rewards MasterCard:

Choice Rewards World MasterCard:

10.99% to 18.00% when you open your
account, based on your credit worthiness

11.99% to 18.00% when you open your
account, based on your credit worthiness

11.99% to 18.00% when you open your
account, based on your credit worthiness

Paying Interest

For Credit Card Tips
from the Consumer
Financial Protection
Bureau

Fees

Set-up and Maintenance
Fees
Annual Fee

Platinum Secured MasterCard:

18.00%

This APR will vary with the market based on the Prime Rate.

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.

To learn more about factors to consider when applying for or using a credit card,
visit the Consumer Financial Protection Bureau at
www.consumerfinance.gov/learnmore.

Odyssey Rewards World Elite
MasterCard

Platinum MasterCard

Platinum Rewards MasterCard

Choice Rewards World MasterCard

Platinum Secured MasterCard

$75

None

None

None

None

Transaction Fees
Foreign Transaction
Cash Advance
Balance Transfer

Penalty Fees
Late Payment
Returned Payment

None
None
None

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).

Loss of Introductory APR: We may end your introductory APR and apply the rate appropriate to your account, 9.99% to
18.00% for Balance Transfers APR, if you make a late payment during the Introductory period. This APR will vary with the
market based on the Prime Rate.

First Tech Federal Credit Union reserves the right to change terms, rates and fees at its discretion, subject to the Member
Agreement and Disclosure Statement for your Account and applicable law.

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