Effective date: 31 August 20211

Interest Rates and Interest Charges

Annual Percentage Rate (APR) 
for Purchases

Azure:

0.00% introductory APR for twelve (12) months.* After that, the APR will be 
10.90–12.99%2 and will vary with the market based on the Prime Rate.

Elite: 

0.00% introductory APR for six (6) months.* After that, the APR will be 
9.90%–11.99%3 and will vary with the market based on the Prime Rate.

APR for Balance Transfers

10.90%–12.99%2 for Azure. This APR will vary with the market based on the  
Prime Rate. 
9.90%–11.99%3 for Elite. This APR will vary with the market based on the Prime Rate.

APR for Cash Advances

Paying Interest

10.90%–12.99%2 for Azure. This APR will vary with the market based on the  
Prime Rate. 
9.90%–11.99%3 for Elite. 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 begin charging interest 
on purchases, cash advances, and balance transfers on the transaction date until they are paid. 
However, we will not charge you interest on purchases if you pay your entire balance by the due 
date each month.4

For Credit Card Tips from  
the Consumer Financial 
Protection Bureau

To learn more about the factors to consider when applying for or using a credit card, visit the 
website of the Consumer Financial Protection Bureau at: consumerfinance.gov/learnmore

Fees

Annual Fee

Transaction Fees
  Cash Advance
  Foreign Transaction 

  Balance Transfer

Penalty Fees
  Late Payment
  Returned Payment

None for Azure. $50.00 for Elite.

$5.00 or 2.00% of the transaction amount, whichever is greater.

None for Elite. 
Azure: 1.00% of any transaction conducted outside the US with or without currency exchange.

$5.00 or 2.00% of balance transfer amount, whichever is greater.

$10.00

$25.00

How we will calculate your balance: 

We use a method called ‘average daily balance’ (including new purchases).

Billing rights: 

Information on your right to dispute transactions and how to exercise those rights is in your UNFCU credit card agreement.

*Introductory rates are only available to new UNFCU credit card accounts. Upgrades from Azure are not eligible for introductory rates.

1. The information in this disclosure is accurate as of 31 August 2021, but may have changed after that date. To find out what may have changed, contact us using the contact 

information listed on: unfcu.org/contact

2. Azure cardholders who apply for a credit card prior to 31 August 2021 will have an APR of 10.90%. Azure cardholders who apply for a credit card on or after 31 August 2021 will have 
  an APR of 12.99%.

3. Elite cardholders who apply for a credit card prior to 31 August 2021 will have an APR of 9.90%. Elite cardholders who apply for a credit card on or after 31 August 2021 will have an  
  APR of 11.99%.

4. We charge interest (unless the grace period applies) from the date of the transaction until the date you pay us back. There is no grace period for cash advances or balance transfers.

Credit Card Rates SheetG-13919 (08/21)