Terms & Conditions for Patelco� s Pure Mastercard� Credit  Card 
Interest Rates and Interest Charges 
Annual Percentage Rate 
(APR) for Purchases  6.75% to 13.95% based on your creditworthiness.  This
APR will vary with the market based on the Prime Rate. 
APR for Balance Transfers  0% introductory APR for the first 6 billing cycles on balance
transfers posted within 90 days from account opening. After 
that 6.75% to 13.95% based on your credit worthiness.
This APR will vary with the market based on the Prime Rate. 
APR for Cash Advances  9.75% to 16.95% based on your credit worthiness.
This APR will vary with the market based on the Prime Rate. 
Penalty APR and When it Applies None  
Minimum Interest Charge None  
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 
Annual Fee None  
Transaction Fees 
Balance Transfer Fee None  
Cash Advance Fee Either $2.50 or 2% of each transaction, whichever 
is greater (maximum fee: $75). 
Foreign Transaction Fee 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 
Penalty Fees 
Late Payment Fee Up to $15 if payment is 15 or more days late. 
Over-the-Credit Limit None  
Returned Payment 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 4/1/2022 is 3.50 percentage points. The �Margin� for purchases and balance transfers will be 3.25 
to 10.45 percentage points based on your creditworthiness. The �Margin� for cash advances will be 6.25 to 13.45 
percentage points based on your creditworthiness.  Introductory Rate not available on balance transfers from Patelco 
accounts. 
How to Avoid Paying Int erest 
on Purchases
For Credit Card Tips from 
the Consumer Financial 
Protection Bureau Your 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.