ECCU Classic Credit Card Disclosure

Interest and Charges

Annual Percentage Rate 
(APR) for purchases

12.96% Fixed APR

APR for Balance Transfers

12.96%

APR for Cash Advances
Penalty APR and When it 
applies

12.96%

No penalty rate will be applied.

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 interest on purchases if you pay your entire balance by 
the due date each month. We will begin charging interest on cash 
advances and balance transfers 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 
www.consumerfinance.gov/learnmore.

Fees
Annual Fee
Transaction Fees:
 - Balance Transfer
 - Cash Advance
 - Foreign Transaction
Penalty Fees:
 - Late Payment
 - Returned Payment
Other Fees:
 - Statement Copy
 - Draft Copy

None

None
None
1% of the transaction amount.

Up to $25.
$25 per item.

$2
$5

How We Will Calculate Your Balance: We use the "average daily balance" method to calculate your 
balance.  See your account agreement for details. 

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is 
provided in your account agreement.