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: 

Annual Percentage Rate (APR) for
Purchases 

depending on your credit history. This APR will vary with the market based on the 
Prime Rate. 

APR for Cash Advances 

depending on your credit history. This APR will vary with the market based on the 
Prime Rate. 

APR for Balance Transfers* 

% Introductory APR* until balance is paid in full for transfers 

Paying Interest 

completed between January 1, 2021 and March 31, 2021. Balance transfers 
completed on or after ____________ will have the Standard APR of 
_____________% depending on your creditworthiness at the time you opened 
your account. 
The Standard APR will vary with the market based on the Prime Rate. 

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: 

% of the amount of each transfer (minimum: $ 
% of the amount of each cash advance 
% of each transaction in U.S. dollars 

, maximum: $ 

) 

Up to $ 
Up to $ 
Up to $ 

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 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 FI1001908 3-2021 

COPYRIGHT 2009 Securian Financial Group, Inc. All rights reserved.