A Federal Credit Union

Patroon Creek Corporate Center
700 Patroon Creek Blvd.
Albany, NY 12206-1067
518-452-8183 • 800-727-3328
www.sefcu.com

Interest Rates and Interest Charges

Annual Percentage Rate (APR) for Purchases

SEFCU MasterCard/SEFCU World MasterCard

MASTERCARD / MASTERCARD SECURED/ 
WORLD MASTERCARD

APPLICATION AND SOLICITATION DISCLOSURE

             billing cycles from the opening of your account, based on 

  Introductory APR for a period of           

your creditworthiness. 

APR for Balance Transfers

APR for Cash Advances

After that your APR will be 
your creditworthiness. This APR will vary with the market based on the 
Prime Rate.
SEFCU MasterCard Secured

, based on 

This APR will vary with the market based on the Prime Rate.

SEFCU MasterCard/SEFCU World MasterCard

Introductory APR for a period of  
 billing 
cycles from the opening of your account, based on your creditworthiness. 
After that your APR will be  
, based on 
your creditworthiness. This APR will vary with the market based on the 
Prime Rate.

SEFCU MasterCard Secured

This APR will vary with the market based on the Prime Rate.

SEFCU MasterCard/SEFCU World MasterCard

   Introductory APR for a period of  
 billing 
cycles from the opening of your account, based on your creditworthiness. 
After that your APR will be  
, based on 
your creditworthiness. This APR will vary with the market based on the 
Prime Rate.

SEFCU MasterCard Secured

This APR will vary with the market based on the Prime Rate.

Penalty APR and When it Applies

None

How to Avoid Paying Interest 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 you any interest on purchases if you pay your entire 
balance by the due date each month. 

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.

© CUNA Mutual Group 2009, 10, 12 All Rights Reserved  

DNYRG3-HR 
CCM003 
MXC403
SEE NEXT PAGE for more important information about your account.

Creation Date CU Contract No. CU Name Sale Order No. Stock No. Initials03/0416 031-0001-7 SEFCU 46203 MXC403_HR maz 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Fees

Transaction Fees
- Balance Transfer Fee
- Cash Advance Fee

whichever is greater (not applicable when using convenience checks)

  of  the  amount  of  each  cash  advance, 

-  Foreign Transaction Fee – MasterCard/MasterCard Secured
-  Foreign Transaction Fee – World MasterCard

 of each transaction in U.S. dollars
 of each transaction in U.S. dollars

Penalty Fees
- Late Payment Fee
- Returned Payment Fee

Up to 
Up to 

How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).” 

Effective Date: 
The information about the costs of the card described in this application is accurate as of 
This information may have changed after that date. To find out what may have changed, contact the credit union.

. 

OTHER DISCLOSURES

Late Payment Fee 

Returned Payment Fee 

 of the amount of the required minimum 
payment,  whichever  is  less,  if  you  are  15  or  more  days  late  in  making  a 
payment.

  or  the  amount  of  the  required  minimum  payment, 

whichever is less.

Creation Date CU Contract No. CU Name Sale Order No. Stock No. Initials03/0416 031-0001-7 SEFCU 46203 MXC403_HR maz