P.O. Box 1365   •   Waynesboro, VA 22980
(540) 946-3200   •   (800) 245-8085
FAX: (540) 946-3212   •   mydccu.com

IMPORTANT CREDIT CARD DISCLOSURES
The  following  disclosure  represents  important  details  concerning  your  credit  card. The  information  about  costs  of  the  card  is
accurate  as  of  _______________.  You can  contact  us  toll  free  at  (800)  245-8085  or  at  the  address  above  if  any  changes
occurred since the effective date.
INTEREST RATES and INTEREST CHARGES:

January 1,2022

Annual Percentage Rate (APR) for
Purchases*

APR for Cash Advances

APR for Balance Transfers**

12 months

0%
Introductory APR* for __________ from account opening date. After that, your
Standard APR will be
8.99%-15.99%
depending on your credit history. This APR will vary with the market based on the
Prime Rate.
12.99% - 19.99%
depending on your credit history. This APR will vary with the market based on the
Prime Rate.

January 1, 2022

% Introductory APR** until balance is paid in full for transfers

1.99%-8.99
completed between _________________ and _________________. Balance
transfers completed on or after ____________ will have the Standard APR of
12.99-19.99
___________% depending on your creditworthiness at the time you opened
your account.
The Standard APR will vary with the market based on the Prime Rate*.

March 31, 2022

4/1/2022

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  new  purchase
balance by the due date  each month. We will begin charging interest on cash
advances  and  balance  transfers  on  the  date  the  cash  advance  or  balance
transfer is posted to your account.

Minimum Interest Charge

None

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
https://consumerfinance.gov/data-research/credit-card-data
http://www.consumerfinance.gov/learnmore

FEES:

Fees to Open or Maintain your Account

• Annual Fee:
• Application Fee:

Transaction Fees

• Balance Transfer:
• Cash Advance:
• Foreign Transaction:

Penalty Fees

• Late Payment:
• Over-the-Credit Limit:
• Returned Payment:

$0
$0

3
3
1

% of the amount of each transfer (minimum: $
% of the amount of each cash advance
% of each transaction in U.S. dollars

3

, maximum: $

150

)

Up to $
Up to $
Up to $

25
25
25

if your payment is late 10 days or more.
if you exceed your credit limit.
if your payment is returned for any reason.

How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)."
Loss of Introductory Rate: We may end your Introductory Rate and apply the Standard APR disclosed above if you make a late
payment.
*Introductory Rate applies for the first 12 months as of account opening and will end after that period. Your APR will then
increase to the Standard APR disclosed above. Introductory Rate is available only for purchases if made within the same 12
month Introductory period.
**Introductory  Rate  does  not  apply  to  balances  transferred  from  other  DuPont  Community  Credit  Union  credit  cards  or
loans.
Payments greater than $2,500 will be subject to a 3 business day hold.
Cash Advances may be completed up to 25% of the credit limit.
9009 LASER FPDF FI1000494 Rev 12-2021

COPYRIGHT 2009 Securian Financial Group, Inc. All rights reserved.