CREDIT CARD AGREEMENT AND DISCLOSURE STATEMENT 
FOR YOUR TDECU MASTERCARD® 
FAMILY ACCOUNT 

Notice: Read and retain this copy of your Credit Card Agreement and Disclosure Statement for future reference. 

® 

TERMS  USED  IN  THIS  AGREEMENT:  This  Agreement  and  Disclosure  Statement  (“Agreement”)  covers  your 
Family  Account  (“Account’).  In  this  Agreement  “You”  and  “Your”  mean  any  person  who  signs  Family 
MasterCard
Account Application or uses the Card. “Key Account Holder” means the Account Applicant as set forth in the Application. 
“We,” “our,” and “us’ means Texas Dow Employees Credit Union, the issuer of your MasterCard. The “Card” means any 
credit  card  issued  to  you  or  those  designated  by  you  under  the  terms  of  this  Agreement.  “Use  of  the  Card”  means  any 
procedure used by you, or someone authorized by you, to make a purchase or an advance whether or not the purchase or 
advance is evidenced by a signed written document. “Unauthorized use of the Card” means the use of the Card by someone 
other  than  you  who  does  not  have  actual,  implied,  or  apparent  authority  for  such  use,  and  from  which  you  receive  no 
benefit. In this Agreement, any plural terms shall be deemed singular and any singular terms shall be deemed plural when 
context and construction so require. 

MASTERCARD FAMILY ACCOUNT: This Agreement covers your MasterCard Family Account and supersedes any 
previous Agreement and Disclosure Statement that may have been previously provided to you in connection with your 
Account. This Account is either the primary MasterCard Family Account (the “Key Account”) or an additional MasterCard 
Family account on which the Key Account Holder is an obligor (a “Dependent Account”). All of the Key Account 
Holder’s MasterCard Family accounts are linked by us which allows the Key Account Holder to receive statement 
information for all accounts, monitor account activity, and set Dependent Account credit limits within limits established by 
us. Each statement period, we will send the Key Account Holder a group periodic statement covering the activity for this 
Account and all other linked accounts. If this Account is designated as a “Parent Pay” Account, then the Key Account 
Holder will receive the official periodic statement for the Key Account and each Dependent Account, which includes all 
activity for each Dependent Account, and will be responsible for remitting payments. The Key Account Holder may 
designate that a separate courtesy Account statement be sent to certain other Parent Pay Dependent Account cardholders. If 
this Account is designated as a “Dependent Pay” Account, then we will send the official periodic statement to the Joint 
Applicant (or, if there is more than one Joint Applicant, to the Joint Applicant designated by the Key Account Holder) and 
the designated Joint Applicant will be responsible for remitting payments. In such event, the Key Account Holder’s 
periodic statement will only include Account balance, status, and payment information for the Dependent Pay Account. 
Regardless of whether the Key Account Holder designates this Account as a Parent Pay or a Dependent Pay Account, you 
agree that the cardholder to whom we send the official periodic statement for this Account is the person responsible for 
remitting this Account’s required payment to us by the “Payment Due Date” shown on the official periodic statement. 

Each Joint Applicant, however, is liable to us for all charges made to the Account. If this is a Joint Account, please refer to 
the Joint Applicant Liability section below. 

CONSENSUAL SECURITY INTEREST: You agree to give the Credit Union a security interest in any and all funds 
on deposit in accounts in which you have an ownership interest, both now and in the future, with the exception of 
retirement accounts or any other accounts that would lose special tax treatment under state or federal law if given as 
security. The granting of this security interest is a condition for the issuance of any Card that you may use, directly and 
indirectly, to obtain extensions of credit under this Agreement. This means that, if you are in default, the Credit Union 
can, without prior notice to you, take funds from any eligible account(s) in which you have an ownership interest and 
apply them as a credit against your credit card Account in any amount available up to the entire balance. Collateral 
securing other loans you have with the Credit Union may also secure this loan. 

EXTENSION  OF  CREDIT:  The  Credit  Union  has  established  a  MasterCard  Account  in  your  name  and  one  or  more 
Cards  will  be  issued  to  you  or  to  those  designated  by  you.  By  use  of  the  Card  or  the  Account  you  authorize  the  Credit 
Union to pay for your Account all items reflecting credit purchases and cash advances (including balance transfers). 

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JOINT APPLICANT LIABILITY: If more than one person signs the application, then notwithstanding any provision of 
this Agreement designating responsibility to one cardholder for remitting payments each of you shall be jointly and 
individually liable to us for all charges made to the Account, including applicable fees. In addition, you agree that each of 
you designates the other as agent for the purpose of making purchases extended under this Agreement and each use of your 
Account shall be an extension of credit to all. Notice to one of you shall constitute notice to all. Any cardholder may close 
the Account at any time by notifying us in writing. However, removal from the Account does not release you from any 
liability already incurred. 

CARD SIGNATURE PANEL: Upon receipt of your new or reissued Card, you must sign the signature panel on the back 
of the Card. If the signature panel is not signed, merchants are not required to accept your Card. 

OTHERS USING YOUR ACCOUNT: If you allow anyone else to use your Account, you will be liable for all credit 
extended to such persons. You promise to pay for all purchases, balance transfers, and cash advances made by anyone you 
authorize to use your Account, whether or not you notify us that he or she will be using it. If someone else is authorized to 
use your Account and you want to end that person’s privilege, you must notify us in writing, and if he or she has a Card, 
you must return the Card with your written notice for it to be effective. 

LIABILITY FOR UNAUTHORIZED USE: You may be liable for the unauthorized use of your Card. If you notice the 
loss or theft of your Card or a possible unauthorized use of your Card, you should call us immediately at: 

You may also write us at:  

(877) 404-1009 

Vantiv 
P O Box 815909 
Dallas, Texas  75381-5909 

Although you may write to notify us of unauthorized use, calling us immediately at the telephone number above is the best 
way to keep your possible losses down. 

Under  MasterCard’s  zero  liability  policy,  you  will  not  be  liable  for  any  unauthorized  use  of  your  MasterCard  once  you 
notify us orally or in writing of the loss, theft, or possible unauthorized use and you meet the following conditions: (1) you 
have exercised reasonable care  with  your Card; (2)  you  have  not reported two or  more  incidents of  unauthorized use of 
your Card within the previous 12 months; and (3) you have maintained your Account in good standing. MasterCard’s zero 
liability policy does not apply to cash advances obtained at an ATM. 

You will not be liable for any unauthorized use that occurs after you notify us. You may, however, be liable for 
unauthorized use that occurs before your notice to us. In any case, your liability will not exceed $50.00. 

CREDIT LIMITS: The Credit Union will establish a line of credit for you and notify you of its amount when the Card is 
sent to you. You promise that payments we make for your Account resulting from use of the Card will at no time cause the 
outstanding balance of your Account to exceed your credit limit as established by us or as adjusted from time to time at our 
discretion. Notwithstanding the foregoing, in our discretion  we  may choose to approve a transaction  you have requested 
that would cause you to exceed your approved credit limit and you will be responsible for such transactions. Each payment 
you  make on the  Account  will restore  your credit limit by that amount of the payment  which is applied to the principal 
balance of purchases and cash advances. The Credit union has the right to reduce or terminate your credit limit at any time. 

PROMISE TO PAY: You promise to pay us in U.S. dollars for (a) all purchases, cash advances, and balance transfers 
made by you or anyone whom you authorize to use the Card or Account; (b) INTEREST CHARGES and other charges or 
fees; (c) collection costs and attorney’s fees as permitted by applicable law, and any costs incurred in the recovery of the 
Card; and (d) credit in excess of your credit limit that we may extend to you. At the end of each monthly billing cycle for 
which you have a balance on your Account, you will be furnished with a periodic statement showing (i) the “Previous 
Balance” (the outstanding balance in the Account at the beginning of the billing cycle), (ii) the amount of all cash 
advances, purchases, balance transfers, Late Charges, INTEREST CHARGES, and other charges or fees posted to your 
Account during the billing cycle, (iii) the amount of all payments and credits posted to your Account during the billing 
cycle, and (iv) the “new Balance” which is the sum of (i) and (ii) minus (iii). 

You agree to pay on or before the ‘Payment Due Date’ shown on the monthly periodic statement the entire New Balance or 
a Minimum Payment equal to 2% of the new balance or $18, whichever is greater, plus any amount in excess of the credit 
limit established by us. If the New Balance is $18 or less, you agree to pay it in full. You may make extra payments in 

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advance of the due date without a penalty, and you may repay any funds advanced, credit extended, or amount outstanding 
at any time without a penalty for early payment. Regardless of the amount of any extra payment during a given month, a 
monthly payment will be required the following month if a balance remains on your Account. 

CREDIT INSURANCE: Credit insurance is not required for any extension of credit under the Agreement. However, if 
available, you may purchase credit insurance through the Credit Union and have the premium added to the outstanding 
balance in your account. If you elect to do so, you will be given the necessary disclosures and documents separately. 

TERMINATION  OR  CHANGES:  The  Credit  Union  may  add  to,  delete,  or  change  the  terms  of  this  Agreement  from 
time to time. Notice of any change will be given in accordance with applicable law. If permitted by law and specified in the 
notice to you, the change will apply to your existing Account balance as well as to future transactions. Either you or the 
Credit Union may terminate this Agreement at any time, but termination by you or the Credit Union will not affect your 
obligation to pay the Account balance plus any INTEREST CHARGES and other charges you owe under this Agreement. 
You  are  also  responsible  for  all  transactions  made  to  your  Account  after  termination,  unless  the  transactions  were 
unauthorized.  The  Cards  and  convenience  checks  you  receive  remain  the  property  of  the  Credit  Union  and  you  must 
surrender  to  the  Credit  Union  all  Cards  and  convenience  checks  upon  request  or  upon  termination  of  this  Agreement 
whether by you or the Credit Union. 

DEFAULT: You will be in default: (1) if you fail to make any payment an time; (2) if you fail to keep any promises you 
have made under this or any other agreement with the Credit Union; (3) if you are the subject of an order for relief under 
Title 11 of the U.S. Code (Bankruptcy); (4) if anyone tries, by legal process, to take any of your money in the Credit Union 
(5) if you have given the Credit Union false or inaccurate information in obtaining your Card; or (6) if anything happens or 
any condition exists which the Credit Union reasonably believes impairs your ability to repay what you owe. 

ACCELERATION: If you are in default, the Credit Union may, without prior notice to you, call any amounts you still 
owe immediately due and payable plus INTEREST CHARGES which shall continue to accrue until the entire amount is 
paid. We may also in our discretion transfer the balance of an account in default to another linked account of yours. You 
expressly waive any right to notice or demand, including but not limited to, demand upon default, notice of intention to 
accelerate and notice of acceleration. The card remains the property of the Credit Union at all times and you agree to 
immediately surrender the Card upon demand of the Credit Union. You agree to pay all reasonable costs of collection, 
including court costs and attorneys fees imposed, and any cost incurred in the recovery of the Card. 

COST  OF  CREDIT:  You  will  pay  an  INTEREST  CHARGE  for  all  advances  made  against  your  Account.  If  your 
Account features an Introductory Rate, you will pay an Introductory Rate for all advances made against your Account at 
the  Daily  Periodic  Rate  and  corresponding  ANNUAL  PERCENTAGE  RATE  (“APR”)  set  forth  in  the  Additional 
Disclosure attached and incorporated into this Agreement. Any Introductory Rate applicable to your Account will apply for 
the time period as set forth in the Additional Disclosure. After any Introductory Rate period, or if an Introductory Rate does 
not apply to your Account, the Standard Rate for your Account will range from .0218904% per day to .0492877% per day 
for MasterCard, which corresponds to an ANNUAL PERCENTAGE RATE ranging from 7.99% to 17.99%. Your precise 
Standard Rate will be determined by review of your credit report and based on your credit worthiness and is disclosed in 
the Additional Disclosure. In addition, after your Account is opened, we may review your credit report periodically from 
time to time at our discretion and adjust your Standard Rate within the ranges above according to your credit score. You 
will  be  notified  no  less  than  45  days  prior  to  any  rate  change.  Cash  advances  (including  balance  transfers)  incur  an 
INTEREST CHARGE from the date they are posted to the Account. If you have paid your account in full by the due date 
shown on the previous monthly statement, or there is no previous balance, you have not less than 25 days to repay your 
Account balance before an INTEREST CHARGE on the current purchases will be imposed. If you have not paid your 
Account in full by the due date shown on the previous monthly statement, you have no grace period in which to repay your 
Account  balance  before  an  INTEREST  CHARGE  on  current  purchases  will  be  imposed,  and  such  INTEREST 
CHARGE will begin on the date such purchases are posted to your Account. No additional INTEREST CHARGE will 
be incurred whenever you pay the Account in full by the Payment Due Date shown on your monthly periodic statement. 

The INTEREST CHARGE is figured by applying the periodic rate to the “balance subject to INTEREST CHARGE” 
which is the “average daily balance” of your Account, including certain current transactions. The “average daily balance” 
is arrived at by taking the beginning balance of your Account each day and adding any new cash advances (including 
balance transfers), and, unless you pay your account in full by the due date shown on your previous monthly statement or 
there is no previous balance, adding in new purchases, and subtracting any payments or credits and unpaid INTEREST 
CHARGES. The daily balances for the billing cycle are then added together and divided by the number of days in the 
billing cycle. The result is the “average daily balance.” The INTEREST CHARGE is determined by multiplying the 
“average daily balance” by the number of days in the billing cycle and applying the periodic rate to the product. The 
INTEREST CHARGE for certain categories of transactions subject to an introductory rate or a promotional rate may be 

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separately calculated for those category balances. You may pay any amounts outstanding at any time without penalty for 
early payment. 

ACCOUNTS WITH DIFFERENT APRs: Payments made in excess of the required minimum payment will be applied to 
the balance with the highest APR before any such excess payments are applied to balances with lower APRs. 

CASH ADVANCE FEE: We will not charge you a cash advance fee.  If an advance is made by another institution, the 
other  institution  may  impose  a  fee.  If  you  obtain  a  cash  advance  by  using  an  automated  teller  machine  (ATM),  any  fee 
imposed upon the Credit Union by the owner or operator of the machine may be passed on to you. Any charge made under 
this paragraph will be added to the balance of your Account and treated as a cash advance. 

ANNUAL FEE: You will not be charged an annual fee for the issuance or use of the Card. 

LATE PAYMENT FEE: If we do not receive your required minimum payment within 10 days of the payment due date, 
you  will  be  charged  a  late  payment  fee  as  set  forth  in  the  Additional  Disclosure.    In  no  event  will  the  late  payment  fee 
exceed the amount of the minimum payment due for the applicable statement period. 

RETURNED  PAYMENT  FEE:  We  will  charge  you  a  returned  payment  fee  each  time  you  send  us  a  payment  that  is 
returned unpaid for any reason. We will charge you a returned payment fee each time any payment is returned unpaid, even 
if  it  is  paid  upon  resubmission.  The  amount  of  the  returned  payment  fee  is  set  forth  in  the  Additional  Disclosure.  In  no 
event will the returned payment fee exceed the amount of the minimum payment due for the applicable statement period. 

OVER-THE-CREDIT-LIMIT FEE:  You will not be charged an Over the Credit Limit Fee when using your Card. 

BALANCE TRANSFER FEE:  You will not be charged a Balance Transfer Fee. 

FEDEX FEE FOR EXPEDITING LOST, STOLEN, OR ADDITIONAL CARD:  We will charge you a fee for the 
FedEx delivery of your card as set forth in the Additional Disclosure. 

TELEPHONE PAYMENT THROUGH TDECU: If you make a telephone request to make a payment within 24 hours 
of payment due date, we will charge a Telephone Payment fee as set forth in the Additional Disclosure. 

CREDITING OF PAYMENTS: All payments made on your Account at (i) the address designated for payment on the 
monthly periodic statement, (ii) through the gotomycard.com website, and (iii) made to a member service representative at 
any of our branch offices will be credited to your Account on the date of receipt. If the date of receipt for a mailed payment 
or a payment made at a branch drop box is not a business day, your payment will be credited on the first business day 
following receipt. The required minimum payment for your Account will be applied first to collection costs, then to any 
INTEREST CHARGES and other fees due, and then to the unpaid principal balance. Interest paid or agreed to be paid 
shall not exceed the maximum amount permissible under applicable law, and in any contingency whatsoever, if we shall 
receive anything of value deemed interest under applicable law which would exceed the maximum amount of interest 
permissible under applicable law, the excessive interest shall be applied to the reduction of the unpaid principal amount or 
refunded to you. 

The official periodic statement we send to the Key Account Holder will reflect separate and a combined minimum payment 
for  the  Key  Account  and  all  linked  Parent  Pay  Dependent  Accounts.  The  Key  Account  Holder  may  remit  separate 
payments  for  the  Key  Account  and  each  Parent  Pay  Dependent  Account  or  combine  payment  for  the  Accounts.  If  a 
payment sent to our physical payment address is combined, then the combined payment will be allocated among the linked 
Key  Account  and  Parent  Pay  Dependent  Accounts  as  follows,  unless  you  tell  us  otherwise  in  a  manner  approved  by  us 
when you send the payment: Payment will first be applied to pay any delinquent amount due on the Key Account or Parent 
Pay Dependent Accounts. We will then apply any remaining amount to pay the remaining required minimum payment for 
the  Key  Account  and  each  Parent  Pay  Dependent  Account.  Any  remaining  excess  amount  will  be  applied  to  the  Key 
Account  and  Parent  Pay  Dependent  Accounts  according  to  each  Account’s  balance  as  a  percentage  of  the  Parent  Pay 
Family  Account  group’s  aggregate  balance.  If  an  unspecified  combined  payment  is  not  adequate  to  pay  the  required 
minimum payment for the Key Account and each Parent Pay Dependent Account, then the payment may be applied among 
the Key Account and Parent Pay Dependent Accounts in our discretion. Payments made by way of the GoToMyCard.com 
web site or by way of any other automated means will be applied entirely to the Account associated with the payment. You 
acknowledge and agree that, if you make payments electronically or by way of another automated means, you must make 
separate payments of at least the Minimum Payment due for the Key Account and each Parent Pay Dependent Account in 
order  to  satisfy  your  payment  obligations  under  this  Agreement  and  any  other  Parent  Pay  Dependent  Account  card 
agreement you have with us. 

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BALANCE TRANSFERS: If you request a balance transfer to be made, you should not rely on a balance transfer to be 
made by any particular date. Although most balance transfers will be made sooner, it could take up to three weeks before 
payment to your other account is made. Accordingly, you should continue to make all required payments on your other 
Accounts until you confirm that the balance transfer has been made. Balance transfers may not exceed your available 
credit. Balance transfer requests will be processed in the order you list them on the balance transfer request form or 
additional sheet if included. If a balance transfer request is more than the available credit limit, we will automatically lower 
the balance transfer amount to your available credit and complete the transfer. We will not close your other accounts, even 
if you transfer the entire balance. Balance transfer cannot be used to pay towards TDECU credit card or loan balances. If 
you want to close your other accounts, you should contact the issuer directly. Transfer of a balance that contains disputed 
purchases or other charges may cause you to lose any dispute rights you may have with regard to those purchases or other 
charges. There is no grace period for balance transfers. 

CREDIT  INVESTIGATION:  In  conjunction  with  your  application  for  credit  and,  if  approved,  maintenance  of  your 
Account,  you  agree  that  we  have  the  right  to  investigate  your  credit  and  employment  history,  to  verify  your  credit 
references,  to  request  and  use  credit  reports,  and  to  report  the  way  you  pay  your  Account  to  credit  bureaus  and  other 
interested  parties.  We  may  report  the  status  and  payment  history  of  your  Account  to  the  credit  reporting  agencies  each 
month. You are hereby notified that a negative credit report reflecting on your credit record may be submitted to a credit 
reporting agency if you fail to fulfill the terms of this Agreement. If you believe that the information we have reported 
is inaccurate or incomplete, please notify us in writing at Texas Dow Employees Credit Union, 1001 FM 2004, Lake 
Jackson, TX 77566-4012. Please include your name, address, home telephone number, and Account number. 

CONVENIENCE CHECKS: The Credit Union may issue checks at our discretion that may be used for any purpose other 
than making payment for credit to your Account. By signing such checks, you authorize us to pay the item for the amount 
indicated and post such amount as a cash advance to your Account. We do not have to pay any item that would cause the 
outstanding balance in your Account to exceed your credit limit. 

ILLEGAL TRANSACTIONS: You may not use your Card or Account for any illegal purpose or unlawful transactions. 
You agree that we may decline to process any transaction that we believe in good faith to be for an illegal purpose. You 
agree that we will not be liable for declining to process any such transaction. If we do process any transaction that 
ultimately is determined to have been for an illegal purpose, you agree that you will remain liable to us under this 
Agreement for any such transaction notwithstanding its illegal nature. You agree that any illegal use of the Card will be 
deemed an act of default under this Agreement. You further agree to waive any right to take legal action against us for your 
illegal use of the Card and to indemnify, defend, and hold us and MasterCard International, Inc. harmless from and against 
any lawsuits, other legal action, or liability that results directly or indirectly from such illegal use. 

FOREIGN TRANSACTIONS: If you effect a foreign transaction with your MasterCard, MasterCard International will 
convert the charge into a U.S. dollar amount. MasterCard International will use its currency conversion procedure, which is 
disclosed  to  institutions  that  issue  MasterCard  cards.  Currently,  the  currency  conversion  rate  used  by  MasterCard 
International  to  determine  the  transaction  amount  in  U.S.  dollars  for  such  transactions  is  generally  either  a  government-
mandated exchange rate or a wholesale exchange rate selected by MasterCard International for the applicable currency on 
the day the transaction is processed, which rate may differ from the applicable rate on the date the transaction occurred or 
when the transaction is posted to your Account. 

ADDITIONAL PROVISIONS: Each provision of this Agreement must be considered part of the total Agreement and 
cannot in any way be severed from it. However, if any provision of this Agreement is finally determined to be void or 
unenforceable under any law, rule, or regulation, all other provisions of this Agreement will remain valid and enforceable. 
You understand that the validity, construction, and enforcement of this Agreement is governed by the laws of the State of 
Texas to the extent not preempted by applicable federal law, and it is performable in Brazoria County, Texas. We do not 
warrant any merchandise or services purchased by you with the Card. All purchases and cash advances are extended at the 
option of the merchant or cash advancing financial institution and the Credit Union is not responsible for the refusal of any 
merchant or financial institution to honor your Card. The Card remains our property at all times and you agree to 
immediately surrender the Card upon demand. You agree to pay all reasonable costs of collection, including court costs 
and attorneys fees, and any costs incurred in the recovery of the Card. We can accept late payments or partial payments, or 
checks or money orders marked “payment in full” without losing any of our rights under this Agreement. We can also 
waive or delay enforcing any of our rights under this Agreement without losing them. You expressly waive presentment for 
payment, demand, protest, and notice of protest and dishonor of same. You agree to give us prompt notice of any change in 
your name, mailing address, telephone number or place of employment. 
RECEIPT OF AND AGREEMENT TO TERMS AND CONDITIONS OF AGREEMENT: By signing an application 
for the Card or by using the Card, you agree to all the terms and conditions and promise to perform all the obligations, 
requirements, and duties contained in this Agreement, and you acknowledge receipt of a copy of this Agreement. 

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INTEREST RATES AND INTEREST CHARGES 

Annual Percentage Rate 
(APR) for Purchases   

0% Introductory APR on all purchases for six months. * 
After that, the Standard APR will range from 
7.99% to 17.99%, based on your creditworthiness 

APR for Balance Transfers 

APR for Cash Advances 

0% introductory APR for twelve months.** 
After that, the Standard APR will range from 
7.99% to 17.99%, based on your creditworthiness 

0% introductory APR for six months 
After that, the Standard APR will range from 
7.99% to 17.99%, based on your creditworthiness 

How to Avoid Paying  
Interest on Purchases   

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 balance by the due date each month. 

For Credit Card Tips   
From the Consumer  
Financial Protection Bureau  at http://www.consumerfinance.gov/learnmore 

To learn more about factors to consider when applying for or 
using a credit card, visit the website of the Consumer Financial Protection 

                                                                                          FEES 

Annual Fee 

None 

     Penalty Fees   

•  Late Payment                   Up to $25 
•  Returned Payment 
     Up to $25 

  How We Will Calculate Your Balance:  We use a method called “average daily balance (including new purchases).” 

*Introductory rate good until the first day of the billing cycle that includes the six month anniversary date of the opening of your                                                            

account 

 **Offer only applies to balance transfer requests received by us within 30 business days of account opening. 

   Federally insured by NCUA. 

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