A Federal Credit Union

Patroon Creek Corporate Center
700 Patroon Creek Blvd.
Albany, NY 12206-1067
518-452-8183 • 800-727-3328
www.sefcu.com

CREDIT CARD ACCOUNT  
OPENING DISCLOSURE

© CUNA Mutual Group 2009, 10, 12 All Rights Reserved

03100017- 
MXC453-C-1- 
011516

Creation Date CU Contract No. CU Name Sales Order No. Stock No. Flat Size Finish Size Initials02/23/16 031-0001-7 SEFCU 43057 MXC453_MH 8.5 x 10.5 3.5 x 8.5 (Tri-fold) maz 
A Federal Credit Union

Patroon Creek Corporate Center
700 Patroon Creek Blvd.
Albany, NY 12206-1067
518-452-8183 • 800-727-3328
www.sefcu.com

This Disclosure is incorporated into and becomes part of your LOANLINER® Consumer Credit Card Agreement.
Please keep this attached to your LOANLINER Consumer Credit Card Agreement.

CREDIT CARD ACCOUNT OPENING DISCLOSURE

Interest Rates and Interest Charges

Annual Percentage Rate (APR) for 
Purchases

Introductory APR for a period of 

  billing cycles from the opening of your account.

APR for Balance Transfers

 Introductory APR for a period of 

 billing cycles from the opening of your account. 

After that your APR will be 

. This APR will vary with the market based on the Prime Rate.

APR for Cash Advances

 Introductory APR for a period of 

 billing cycles from the opening of your account. 

After that your APR will be 

. This APR will vary with the market based on the Prime Rate.

After that your APR will be 

. This APR will vary with the market based on the Prime Rate.

Penalty APR and When it Applies

None

Paying Interest

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. We will begin charging interest on 
balance transfers and cash advances on the transaction date. 

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

Transaction Fees
- Balance Transfer Fee
- Cash Advance Fee

- Foreign Transaction Fee

Penalty Fees
- Late Payment Fee
- Returned Payment Fee

 of the amount of each cash advance, whichever is greater (not applicable when 

using convenience checks)

 of each transaction in U.S. dollars

Up to 
Up to 

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. 

OTHER DISCLOSURES

Late Payment Fee 

Returned Payment Fee 

   of the amount of the required minimum payment, whichever is less, if you are 15 or 

more days late in making a payment. 

 or the amount of the required minimum payment, whichever is less.

Collection Costs: You agree to pay all costs of collecting the amount you owe under this Agreement, including court costs and reasonable attorney fees. 

Periodic Rates:
The Introductory Purchase APR is 
The Purchase APR is 
The Introductory Balance Transfer APR is 
The Balance Transfer APR is 
The Introductory Cash Advance APR is 
The Cash Advance APR is 

 which is a monthly periodic rate of 

.

 which is a monthly periodic rate of  

.

 which is a monthly periodic rate of 

 which is a monthly periodic rate of 

 which is a monthly periodic rate of 

 which is a monthly periodic rate of 

.

.

.

.

Variable Rate:
The  ANNUAL  PERCENTAGE  RATE  is  subject  to  change  quarterly  to  reflect  any  change  in  the  Index  and  will  be  determined  by  the  Prime  Rate  45 
days  prior to the first day of each calendar quarter (January, April, July and October) as published in The Wall Street Journal “Money Rates” table to 
which  we  add  a  margin.  The  ANNUAL  PERCENTAGE  RATE  will  never  be  greater  than  18.00%.  Any  increase  in  the  ANNUAL  PERCENTAGE  RATE  will 
take  the  form  of  additional  payments  shown  as  Total  Minimum  Payments  on  the  statement.  If  the  Index  is  no  longer  available,  the  credit  union  will 
choose a new index which is based upon comparable information.

Margin:
Purchases will be charged at 
Balance Transfers will be charged at 
Cash Advances will be charged at 

 above the Index.

 above the Index.

 above the Index.

Creation Date CU Contract No.CU Name Sales Order No.Stock No.Flat SizeFinish SizeInitials02/23/16031-0001-7SEFCU43057MXC453_MH8.5 x 10.53.5 x 8.5 (Tri-fold)maz