Credit Disclosure

Interest Rates and Interest Changes

Annual Percentage Rate (APR) 
for Purchases

9.90%

APR for Balance Transfers

9.90%

APR for Cash Advances

9.90%

How to Avoid Paying Interest 
on Purchases

You have at least 25 days after the close of each statement period to pay your balance in 
full without being charged interest. There is no grace period for cash advances.

M-108336

Minimum Interest Charge

None

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

Maintenance and Set-up Fees

NOTICE: Some of these set-up and maintenance fees may be assessed before you begin 
using your card and will reduce the amount of credit you initially have available.

Annual Fee

Additional Card Fee

Transaction Fees

Balance Transfer Fee

Cash Advance Fee

None

None

None

None

Foreign Transaction Fee

1% of each transaction in U.S. dollars.

Penalty Fees

Late Payment Fee

Up to $15 assessed fifteen (15) days after cycle date.

Returned Payment Fee

None

Other Fees

Rush Fee

$20

Statement Copy Fee

$2 per statement

The minimum monthly payment is 2% of your total new balance or the overlimit amount, whichever is greater, but not less than 
$20 plus the amount of any unpaid prior payments due. Payments of $10,000 or greater may not be part of your available credit 
for three (3) business days. Your payment is due the 21st of every month.

How We Will Calculate Your Balance: We use a method called “average daily balance (including current transactions).” See 
your account agreement under Finance Charge for more details.

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account 
agreement.

Information contained in this Credit Disclosure is accurate as of 01/01/2013 and is subject to change thereafter. To obtain more 
recent information, please call us at 1-800-289-5939.

Centra CU Visa® Platinum