federal
0Tech
credit union
Showing general rates
All Credit Cards	Effective Date : January 1,2018		
Account	Annual Percentage Rate	Loan Amount (min/max)	Loan Term
Odyssey Rewards World Elite MasterCard	as low as 11.99%	$25,000/$100,000	revolving
Choice Rewards World MasterCard	as low as 10.99%	$10,000/$35,000	revolving
Platinum Rewards MasterCard	as low as 10.99%	$500/$25,000	revolving
Platinum MasterCard	as low as 9.99%	$500/$25,000	revolving
Platinum Secured MasterCard	17.00%	$500/$25,000	revolving
Platinum MasterCard®, Platinum Rewards MasterCard, Platinum Secured MasterCard, Choice Rewards World
MasterCard, and Odyssey Rewards® World Elite MasterCard Card Application Disclosure
This information is accurate as of 07.19.17 and is subject to change after this date. For current information, please contact First Tech Federal Credit Union at PO Box 2100, Beaverton, OR 97075-2100, call us at 855.855.8805 or visit firsttechfed.com
Interest Rate and Charges
Annual Percentage Rate (APR) for Purchases	Odyssey Rewards World Elite	11.99% to 18.00% when you open MasterCard:	yOur account, based on your credit worthiness Platinum MasterCard:	9.99 to 18.00 when you open your account, based on your credit worthiness Platinum Rewards MasterCard:	0.99	to 18.00	when you open your account, based on your credit worthiness Choice Rewards World MasterCard:	0.99	to 18.00	when you open your account, based on your credit worthiness Platinum Secured MasterCard:	17.00% After that your APR will vary with the market based on the Prime Rate.
APR for Balance Transfers	0.00% introductory APR for the first twelve billing cycles on balances transferred during the first 90 days after account opening. After that: Odyssey Rewards World Elite	11.99% to 18.00% when you open your MasterCard:	account, based on your credit worthiness _. ..	.. . _ .	9.99% to 18.00% when you open your a mum as e ar .	account, based on your credit worthiness Platinum Rewards MasterCard:	10.99% to 18.00% when you open your account, based on your credit worthiness .. . _ .	10.99% to 18.00% when you open your Choice Rewards World MasterCard:	. .	.	7 ... K account, based on your credit worthiness
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First Tech
federal credit union
APR for Cash Advances	Your APR will vary with the market based on the Prime Rate. Odyssey Rewards World Elite	12.99% to 18.00% when you open your MasterCard:	account, based on your credit worthiness _. ..	.. . _ .	10.99% to 18.00% when you open your Platinum MasterCard:	. .	.	... r ./. account, based on your credit worthiness „	_	. .. . _ .	11.99% to 18.00% when you open your account, based on your credit worthiness _	. ...	.. . _ .	11.99% to 18.00% when you open your Choice Rewards World MasterCard:	. .	.	7 ... K account, based on your credit worthiness Platinum Secured MasterCard:	18.00% This APR will vary with the market based on the Prime Rate.	
Paying Interest	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.	
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 Consumer Financial Protection Bureau at www.consumerfinance.gov/learnmore.	
Fees		
Set-up and Maintenance Fees • Annual Fee	• Odyssey Rewards World Elite MasterCard	$75
	• Platinum MasterCard	None
	• Platinum Rewards MasterCard	None
	• Choice Rewards World MasterCard	None
	• Platinum Secured MasterCard	None
Transaction Fees •	Foreign Transaction •	Cash Advance •	Balance T ransfer	• None • None • None	
Penalty Fees •	Late Payment •	Returned Payment	•	Up to $25.00 •	Up to $25.00	
How We Will Calculate Your Balance: We use a method called “average dally balance” (excluding new purchases).
Loss of Introductory APR: We may end your introductory APR and apply the rate appropriate to your account, 9.99% to 18.00% for Balance Transfers APR, if you make a late payment during the Introductory period. This APR will vary with the market based on the Prime Rate.
First Tech Federal Credit Union reserves the right to change terms, rates and fees at its discretion, subject to the Member Agreement and Disclosure Statement for your Account and applicable law.
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