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. 

4/1/2021 

INTEREST RATES and INTEREST CHARGES: 

Annual Percentage Rate (APR) for 
Purchases 

APR for Cash Advances 

APR for Balance Transfers 

Paying Interest 

Mastercard World Rewards 

11.99-18.99% 
depending on your credit history. This APR will vary with the market based on 
the Prime Rate. 

15.99-22.99% 
depending on your credit history. This APR will vary with the market based on the 
Prime Rate. 
15.99-22.99% 
depending on your credit history. This 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: 

None 
None 

3  % of the amount of each transfer (minimum: $3 
3  % of the amount of each cash advance 
1  % of each transaction in U.S. dollars 

, maximum: $ 150 

)

Up to $25 
Up to $25 
Up to $25 

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)." 

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 FI1001246 1-2020 

COPYRIGHT 2009 Securian Financial Group, Inc. All rights reserved.