Terms & Conditions for Patelco �s Progress Student Rewards Mastercard� Credit   Card
Interest Rates and Interest  Charges
Annual Percentage Rate (APR) 
for Purchases
APR for Balance  Transfers
APR for Cash  Advances8.90%  to 17.40%  based on your creditworthiness. This
APR will vary with the market based on the Prime  Rate.
8.90%  to 17.40%  based on your creditworthiness. This
APR will vary with the market based on the Prime Rate.
11.90%  to 20.40%  based  on your creditworthiness.
This APR will vary with the market based on the Prime Rate.
Penalty APR and When it  Applies  None
Minimum Interest  Charge  None
How to Avoid Paying Interest 
on Purchases
For Credit Card Tips from 
the Consumer Financial 
Protection Bureau
FeesYour due date is at least 25 days after the close of each 
billing cycle. We will not charge 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 website of
the Consumer Financial Protection Bureau at
http://www.consumerfinance.gov/learnmore
Annual  Fee None
Transaction  Fees
Balance Transfer Fee  None
Cash Advance Fee  Either $2.50 or 2% of each transaction, whichever
Foreign Transaction Fee
Penalty  Feesis greater (maximum fee:  $75).
1% of each transaction in U.S. dollars if initiated or 
processed in foreign currencies or countries (this fee 
is in addition to other applicable fees such as cash 
advance  fees).
Late Payment Fee  Up to $15 if payment is 15 or more days late.
Over-the-Credit Limit 
Returned PaymentNone
None
How We Will Calculate Your Balance: We use a method called �average  daily balance  (including new 
purchases). � See your account agreement for more  details.
Billing Rights: Information on your rights to dispute  transactions and how to exercise those rights is provided in 
your account agreement.
How We Will Calculate Your Variable APRs: We will add a �Margin � to an �Index Rate � to determine your 
variable interest rates. For each billing period the Index  Rate  we will  use will be  equal  to the  Prime  Rate  reported 
in the Federal Reserve Bulletin on the first day of the month preceding the month in which the rate will take 
effect. The Index Rate as of 06/01/2022 is 4.00 percentage  points. The �Margin � for purchases and balance 
transfers will be 4.90 to 13.40 percentage points based on your creditworthiness. The �Margin � for cash 
advances will be 7.90 to 16.40 percentage points based on your creditworthiness.