Interest Rates and Interest Charges

Mastercard® 
Credit Cards

Annual Percentage 
Rate (APR) 
for Purchases

APR for  
Balance Transfer

APR for  
Cash Advances

Penalty APR and 
When it Applies
How to Avoid 
Paying Interest  
on Purchases
Minimum  
Interest Charge
For Credit Card 
Tips from the 
Consumer Financial 
Protection Bureau
Fees
Annual Fee
Transaction Fees
• Balance Transfer
• Cash Advance
• Foreign Transaction

CashBack Rewards

Premier Rate

12.15% to 18.00% APR 
when you open your account, based on your 
creditworthiness and other factors. After that, 
this APR will vary with the market based 
on the Prime Rate.

9.95% to 18.00% APR 
when you open your account, based on your 
creditworthiness and other factors. After that, 
this APR will vary with the market based 
on the Prime Rate.

0% Introductory APR for Balance Transfers  
made during the first 90 days from the date of 
account opening. Introductory APR does not  
apply to purchases. Promotional balances will 
remain at 0% APR for 12 full billing cycles 
starting from the date of the initial Balance 
Transfer request. Beginning with the 13th billing 
cycle, your APR will be 12.15% to 18.00% 
based on your creditworthiness and other factors. 
This APR will vary with the market based on the 
Prime Rate.

0% Introductory APR for Balance Transfers  
made during the first 90 days from the date of 
account opening. Introductory APR does not  
apply to purchases. Promotional balances will 
remain at 0% APR for 12 full billing cycles 
starting from the date of the initial Balance 
Transfer request. Beginning with the 13th billing 
cycle, your APR will be 9.95% to 18.00% 
based on your creditworthiness and other factors. 
This APR will vary with the market based on the 
Prime Rate.

0% Introductory APR for Cash Advances made 
during the first 90 days from the date of account 
opening. Introductory APR does not apply to 
purchases. Promotional balances will remain at 
0% APR for 12 full billing cycles starting from 
the date of the initial Cash Advance request. 
Beginning with the 13th billing cycle, your APR 
will be 12.15% to 18.00% based on your 
creditworthiness and other factors. This APR will 
vary with the market based on the Prime Rate.

0% Introductory APR for Cash Advances made 
during the first 90 days from the date of account 
opening. Introductory APR does not apply to 
purchases. Promotional balances will remain at 
0% APR for 12 full billing cycles starting from  
the date of the initial Cash Advance request. 
Beginning with the 13th billing cycle, your APR 
will be 9.95% to 18.00% based on your 
creditworthiness and other factors. This APR will 
vary with the market based on the Prime Rate.

None

Your 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.

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
None
None

Penalty Fees
• Late Payment
• Over the Credit Limit
• Returned Payment

Up to $20
None
Up to $24

Other Fees

None

How We Calculate Your Balance  
We use a method called “average daily balance (including new purchases).” See the terms and conditions of your credit card 
agreement for more details.

Security Interest Specific for Credit Cards:  
If you are approved for a credit card, you acknowledge and pledge, specifically as a condition of your use of the 
credit card, that you have voluntarily granted Randolph-Brooks Federal Credit Union (RBFCU) a security interest in 
all of your individual and joint share accounts at RBFCU. If your credit card loan becomes delinquent, this security 
interest may be used without further notice to pay all or part of such delinquency. This security interest does not 
apply to shares in an Individual Retirement Account (IRA).

The information about the cost of the cards described in this application is accurate as of January 2019. This information 
may have changed after that date. To find out what may have changed, call us toll-free at 1-800-580-3300 or write to us at 
Randolph-Brooks Federal Credit Union, P.O. Box 2097, Universal City, Texas 78148-2097.