Credit Car d Inter est Rates and
Fees
Suncoast Cr edit Union offers lo w rate cr edit car d products with competitive terms. Y our actual r ate and term will
be based on your personal cr edit qualifications.
Suncoast Credit Union � Credit Card Interest Rates and Interest Charges
Annual Percentage Rate (APR) for
Purchases9.9%  to 17.9%  when you open your account, based on your
creditworthiness.
APR for Balance T ransfers 11.9%  to 18.0%  when you open your account, based on your
creditworthiness.
APR for Cash Advances 11.9%  to 18.0%  when you open your account, based on your
creditworthiness.
Penalty APR and When it Applies Not Applicable
How to A void Paying Interest on
PurchasesYour 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 T ips from the
Consumer Financial Protection
BureauTo 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 None
Transaction Fees
Balance T ransfer
Cash Advance
Foreign T ransaction 
None
None
None
Penalty Fees
Late Payment
Over-the-Credit Limit
Returned Payment 
Up to $25
None
Up to $25
Other Fees
Card Replacement 
$5 Cad epace et
Suncoast Cr edit Union � Cr edit Car d Agr eement  (/-/media/files/forms-and-applications/scu-platinum-
credit-car d-agr eement.pdf)
How W e Will Calculate Y our Balance:  We use a method called " aver age daily balancing (including ne w
purchases)". See your account agr eement for mor e details.
The abo ve information is accur ate as of January 1, 2020. This information may have changed after that date. T o
find out what may have changed, call us at 1-800-999-5887 or write to us at P .O. Box 11904, T ampa, FL 33680-
1904.
Billing Rights:  Information on your rights to dispute tr ansactions and ho w to e xercise those rights will be
provided in your account agr eement.
Military Lending Act Disclosur es: Feder al law pr ovides important pr otections to members of the Armed For ces
and their dependents r elating to e xtensions of consumer cr edit. In gener al, the cost of consumer cr edit to a
member of the Armed For ces and his or her dependent may not e xceed an annual per centage r ate of 36 per cent.
This r ate must include, as applicable to the cr edit tr ansaction or account: The costs associated with cr edit
insur ance pr emiums, fees for ancillary pr oducts sold in connection with the cr edit tr ansaction; any application fee
char ged (other than certain application fees for specified cr edit tr ansactions or accounts); and any participation
fee char ged (other than certain participation fees for a cr edit car d account).
Please call us 1-800-999-5887 e xtension 88335 to r eceive or al disclosur es.