Credit Card Interest Rates and Fees

Suncoast Credit Union offers low rate credit card products with competitive terms. Your actual rate and term will be based on your personal credit

qualifications.

Suncoast Credit Union — Credit Card Interest Rates and Interest Charges

Annual Percentage Rate (APR) for Purchases 8.9% to 16.9% when you open your account, based on your creditworthiness.

APR for Balance Transfers

APR for Cash Advances

10.9% to 18.0% when you open your account, based on your creditworthiness.

10.9% to 18.0% when you open your account, based on your creditworthiness.

Penalty APR and When it Applies

Not Applicable

How to Avoid Paying Interest on Purchases

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.

Minimum Interest Charge

Not Applicable

For Credit Card Tips from the Federal
Reserve Board

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 consumerfinance.gov/learnmore
(http://www.consumerfinance.gov/learnmore/)

Annual Fee

Transaction Fees
  Balance Transfer
  Cash Advance
  Foreign Transaction

Penalty Fees
  Late Payment
  Over­the­Credit Limit
  Returned payment

Other Fees
 Card Replacement

Suncoast Credit Union — Credit Card Fees

None

None
None
1% of each transaction in US Dollars

Up to $25
None
Up to $25

$5

Suncoast Credit Union — Credit Card Agreement (/~/media/files/forms­and­applications/scu platinum credit card agreement ­ 033016 ­ cfpb pdf.ashx)

How We Will Calculate Your Balance: We use a method called "average daily balancing (including new purchases)". See your account agreement
for more details.

The above information is accurate as of September 2016. This information may have changed after that date. To find out what may have changed, call
us at 1­800­999­5887 or write to us at P.O. Box 11904, Tampa, FL 33680­1904.