Interest Rates and Interest Charges 
Annual Percentage Rate (APR) for 
Purchases, Cash Advances and 
Balance Transfers 

Paying Interest 

Minimum Interest Charge 
For Credit Card Tips from the 
Consumer Financial Protection Bureau 

Fees 
Maintenance and Set-up Fees 
Annual Fee 
Additional Card Fee 
Transaction Fees 
Balance Transfer Fee 

Cash Advance Fee 

Foreign Transaction Fee 
Penalty Fees 
Late Payment Fee 

Returned Payment Fee 
Other Fees 
Rush Fee 
Statement Copy Fee 

0.00% APR for Introductory Rate for the first 12 
months from account opening date.  After that, your 
APR will be X.XX%.  This APR will vary with the 
market based on the Prime Rate and credit worthiness. 

Your due date is at least 25 days after the close of each 
billing cycle.  We do not charge you interest on 
purchases if you pay your entire balance by the due 
date each month.  We will begin charging interest on 
cash advances on the transaction date. 

None 
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. 

None 
None 

$5.00 or 3.00% of the amount of each balance transfer, 
whichever is greater. 
$5.00 or 3.00% of the amount of each cash advance, 
whichever is greater. 
1% of each transaction in U.S. dollars 

Up to $18.00 assessed fifteen days after due date. 

None 

$20.00 
$2.00 per statement 

How We Will Calculate Your Balance:  We use a method called “average daily balance (including current transactions)”.  See your 
account agreement under Finance Charge for more details. 

The minimum monthly payment is 2% of your total new balance or the overlimit amount, whichever is greater, but not less than $20 plus 
the amount of any unpaid prior payments due.  Payments of $10,000 or greater may not be a part of your available credit for three (3) 
business days.  Your payment is due on the 21st of the month. 

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your agreement. 

Variable Rate 

The ANNUAL PERCENTAGE RATE is subject to change on the first day of the billing cycle monthly to reflect any change in the Index 
and will be determined by the Prime Rate on the 15th day of the month prior to the last calendar date of the current billing cycle of each 
year as published in The Wall Street Journal “Money Rates” table to which we add a margin.  The ANNUAL PERCENTAGE RATE will 
never be greater than 24.00%.  Any increase in the ANNUAL PERCENTAGE RATE will take the form of additional payments shown as 
Total Minimum Payments on the statement.  If the Index is no longer available, the Credit Union will choose a new index which is based 
upon comparable information.