Like�us�(http://www.facebook.com/DirectionsCreditUnion)�on�Facebook Follow�us�(https://twitter.com/directionscu)�on�Twitter
Locations/ATMs�(/Hours�and�Locations/DCU�Hours�and�Locations.aspx)
Mobile�&�Online�Banking�(/Online�and�Mobile�Banking/Online�Banking.aspx)Forms�&�Info�(/Info�Forms/Forms.aspx)
Calculators�(/Landing�Pages/Calculators.aspx)About�Us�(/About�Directions�Credit�Union/About�DCU.aspx)
Contact�Us�(/Hours�and�Locations/Contact�Us.aspx)
(https://www.ezcardinfo.com/?b=toledoarea)
�(/Landing�
Pages/earnrewards.aspx)Auto�&�Recreational�Rates�(/Rates/Auto�Recreational�Rates)Credit�Card�Rates�(/Rates/Credit�Card�Rates)Mortgage�Rates�(/Rates/Mortgage�Rates)
Personal�Loan�Rates�(/Rates/Personal�Loan�Rates)Savings�Rates�(/Rates/Savings�Rates)
Business/Commercial�Rates�(/Rates/Small�Business�Rates)`
(/)
Credit Card Rates
Analysis as of April 20, 2016
Save up to $106 with
Directions CU credit
cards1Directions CU
9.99% APR1
Toledo Area
10.70% APR1
save up to $106APPLY NOW
�Datatrac (http://datatrac.net) 2016. details1Credit Card
Interest�Rates�(http://www.datatrac.net//rates/Directions_Credit_Union?Cls=credit
card&Key=gra_2183creditcard16896percentage1&tmpl=0)�Certified�by�Datatrac
(http://www.datatrac.net/greatrateaward.aspx)
Annual Percentage Rate for Purchases and Cash Advances
Rewards
VISAfrom�9.99%�to�17.24%*�
Annual�Percentage�Rate�for�Purchases�and�Cash�Advances
Annual�fee:None
Grace�Period
for
Purchases:There�is�a�25�day�grace�period,�calculated�from�the�statement
closing�date�to�the�payment�due�date,�in�which�you�can�pay
the�New�Purchases�Balance�and�any�unpaid�finance�charges
on�Cash�Advances�shown�on�the�statement�to�avoid�a�finance
charge.
Cash
AdvanceThere�is�no�fee.��Interest�rate�accumulates�the�day�of�Cash
Advance.
Balance
ComputationAverage�Daily�Balance�Method
Method�for
Purchases:(including�current�transactions)Join�Directions
(/Join�
Directions/Join.aspx)MyLife
(/MyLife/Adult.aspx)Business
(/Business/Loans.aspx)Personal
(/Personal/Checking�
Accounts.aspx)Loans
(/Loans/Auto�
Recreational�
Loans.aspx)Investments
(/Investments/Investment�
Insurance�
Services) �(/Join�Directions/Financial�Tools�Tips.aspx)
 �(/Landing�Pages/Calculators)
�(/Rates/Credit�Card�Rates.aspx)
 �(/Join�Directions/Join.aspx)
��Directions�Credit�Union.�All�Rights�Reserved.�Federally�Insured�by�NCUA. Security�&�Privacy�(/Security�Privacy.aspx)Terms�&�Conditions�(/Terms�Conditions.aspx)Late
Payment
Fee:Up�to�$25.00,�10�days�after�payment�due�date.
Over�Limit
Fee:None
Lost/Stolen
Reporting24/7
Auto�Rental
InsuranceYes
Returned
Item�Fee$25.00�per�item.
Card
Replacement
Fee$15.00
Foreign
Transaction
Fee1%�of�the�transaction�amount.
*Rate�will�be�based�on�your�credit�history.�Contact�Directions�Credit�Union�(/Hours�and�Locations/Contact�Us)�for�more�details.
**ScoreCard��Bonus�Points�are�earned�for�every�dollar�spent�when�using�your�Directions�Credit�Union�Visa�Card.�These�Points�can
be�accumulated�and�redeemed�for�great�gifts,�gift�cards,�travel�rewards,�hotel�discounts�and�much�more!�For�a�free�ScoreCard�
Rewards�catalog,�please�visit�www.scorecardrewards.com�(https://www.scorecardrewards.com).
Credit�disclosure�is�accurate�as�of�01/01/16�and�is�subject�to�change.�To�find�out�what�may�have�changed,�call�us�at�1�888�508�2228.
Your�savings�are�federally�insured�to�at�least�$250,000�and�backed�by�the�full�faith�and�credit�of�the�United�States�Government.