PO Box 11900Tucson AZ 85734520 794 8341 voice520 205 5839 faxwww.hughesfcu.orgVISA GOLD Disclosure Interest Rates and Interest ChargesAnnual Percentage Rate (APR) for Purchases11.95%This APR shall be determined by the Hughes Federal Credit Union's Board of Directors11.95%APR for Balance TransfersThis APR shall be determined by the Hughes Federal Credit Union's Board of Directors11.95%APR for Cash AdvancesThis APR shall be determined by the Hughes Federal Credit Union's Board of DirectorsPenalty APR when it applies16.99%This APR may be applied to your account if you make a late payment for two (2) consecutive months.How Long Will the Penalty APR Apply:  If your APR is increased for the above reason, the Penalty APR will apply until you make six (6) consecutive minimum payments when due.Paying InterestYour 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.  We will begin charging interest on cash advances and balance transfers on the transaction date. Minimum Interest ChargeNoneFor Credit Card Tips from the Consumer Financial Protection BureauTo 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/learnmoreFeesAnnual FeeNoneTransaction Fees* Balance Transfer* Cash Advance* Foreign TransactionNoneNone1% of each transaction in U.S. dollars.Penalty Fees* Late Payment* Over-the-Credit Limit* Returned PaymentUp To $30Up To $20Up To $30Other Fees*Card Replacement*Pull and Rush Fee$10$30*Convenience Check Fees$10 for returned checks$7.50 for stop payment$7.50 for each check copy*Pay by Phone (expedited)$5How Will We Calculate Your Balance:  We use a method called "average daily balance (including new purchases)." See your account agreement for more details.Billing Rights:  Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement.*Design Your Own Card$9.95GM 10/2015