Credit Card Interest Rates and
Fees

Suncoast Credit Union offers low rate credit card products with competitive terms. Your actual rate and term will

be based on your personal credit qualifications.

Suncoast Credit Union — Credit Card Interest Rates and Interest Charges

Annual Percentage Rate (APR) for
Purchases

9.9% to 17.9% when you open your account, based on your
creditworthiness.

APR for Balance Transfers

APR for Cash Advances

11.9% to 18.0% when you open your account, based on your
creditworthiness.

11.9% to 18.0% when you open your account, based on your
creditworthiness.

Penalty APR and When it Applies Not Applicable

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.

Minimum Interest Charge

Not Applicable

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 (http://www.consumerfinance.gov/learnmore/).

Suncoast Credit Union — Credit Card Fees

Annual Fee

Transaction Fees

Balance Transfer
Cash Advance
Foreign Transaction

Penalty Fees

Late Payment

Over-the-Credit Limit

Returned Payment

Other Fees

None

None

None

None

Up to $25

None

Up to $25

Card Replacement

$5

 
 
 
Ca d  ep ace e t

Suncoast Credit Union — Credit Card Agreement (/-/media/files/forms-and-applications/scu-platinum-
credit-card-agreement.pdf)

How We Will Calculate Your Balance: We use a method called "average daily balancing (including new
purchases)". See your account agreement for more details.

The above information is accurate as of January 1, 2020. This information may have changed after that date. To

find out what may have changed, call us at 1-800-999-5887 or write to us at P.O. Box 11904, Tampa, FL 33680-

1904.

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights will be
provided in your account agreement.

Military Lending Act Disclosures: Federal law provides important protections to members of the Armed Forces
and their dependents relating to extensions of consumer credit. In general, the cost of consumer credit to a

member of the Armed Forces and his or her dependent may not exceed an annual percentage rate of 36 percent.

This rate must include, as applicable to the credit transaction or account: The costs associated with credit
insurance premiums, fees for ancillary products sold in connection with the credit transaction; any application fee

charged (other than certain application fees for specified credit transactions or accounts); and any participation

fee charged (other than certain participation fees for a credit card account).

Please call us 1-800-999-5887 extension 88335 to receive oral disclosures.