completed between _________________ and _________________. Balance
transfers completed on or after ____________ will have the Standard APR of
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 BureauTo 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/learnmoreThe 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.IMPORTANT CREDIT CARD DISCLOSURES
INTEREST RATES and INTEREST CHARGES:
Annual Percentage Rate (APR) for
Purchases*
APR for Cash Advances
APR for Balance Transfers**
9009 LASER FPDF FI1000494 Rev 12-2021 COPYRIGHT 2009 Securian Financial Group, Inc. All rights reserved.P.O. Box 1365   �   Waynesboro, VA 22980
(540) 946-3200   �   (800) 245-8085
FAX: (540) 946-3212   �   mydccu.com
Introductory APR* for __________ from account opening date. After that, your
Standard APR will be
depending on your credit history. This APR will vary with the market based on the
Prime Rate.
depending on your credit history. This APR will vary with the market based on the
Prime Rate.
FEES:
Transaction Fees
� Balance Transfer:
� Cash Advance:
� Foreign Transaction:% of the amount of each transfer (minimum: $
% of the amount of each cash advance
% of each transaction in U.S. dollars
Up to $
Up to $
Up to $� Late Payment:
� Over-the-Credit Limit:
� Returned Payment:Penalty Fees
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.Fees to Open or Maintain your Account
� Annual Fee:
� Application Fee:
if your payment is late 10 days or more.
if you exceed your credit limit.
if your payment is returned for any reason., maximum: $ )% Introductory APR** until balance is paid in full for transfers
___________% depending on your creditworthiness at the time you opened
The Standard APR will vary with the market based on the Prime Rate*.your account.January 1,2022
0%
12 months
8.99%-15.99%
12.99% - 19.99%
1.99%-8.99
January 1, 2022 March 31, 2022
4/1/2022
12.99-19.99
$0
$0
3 3 150
3
1
25
25
25