Paying InterestYour due date is at least 25 days after the close of each billing cycle. We will not chargeyou interest on purchases or balance transfers if you pay your entire new purchase orbalance transfer balance by the due date each month. We will begin charging interest oncash advances on the date the cash advance is posted to your account.Minimum Interest ChargeNoneFor Credit Card Tips from theConsumer Financial ProtectionBureauTo learn more about factors to consider when applying for or using a credit card, visit thewebsite of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmoreThe following disclosure represents important details concerning your credit card. The information about costs of the card areaccurate as of _______________ . You can contact us toll free at (800) 252-8311 or the address above to inquire if anychanges occurred since the effective date.IMPORTANT CREDIT CARD DISCLOSURESINTEREST RATES and INTEREST CHARGES:Annual Percentage Rate (APR)for Purchases, Cash Advances,and Balance TransfersPenalty APR and When ItApplies17.90% This APR may be applied to your account if you:1. Make a payment that is late 60 days or more; or2. Make a payment that is returned and causes your account to be 60 days past due.How Long Will the Penalty APR Apply? If we increase your APRs due to a latepayment, we may keep them at this higher level on existing and new balances until youmake six consecutive on-time minimum payments. If we increase your APRs for any otherreason, we may keep them at this higher level on new balances indefinitely.
9009 LASER FPDF FI19606 Rev 4-2020 COPYRIGHT 2009 Securian Financial Group, Inc. All rights reserved.% -
depending on your credit history.Visa Platinum Great Rate�Great Rate Visa�Secured Card
FEES:
Fees to Open or Maintain yourAccount� Annual Fee:� Application Fee:Transaction Fees
� Balance Transfer:� Cash Advance:� Foreign Transaction:� None�$5.00 or 1% of the amount of each cash advance, whichever is greater�1% of each transaction in U.S. dollars� None� None
� Up to $25.00 if your payment is late 3 days or more� None� Up to $20.00 if your payment is returned for any reason� Late Payment:� Over-the-Credit Limit:� Returned Payment:Penalty FeesHow We Will Calculate Your Balance: We use a method called "average daily balance (including new transactions)."Visa Platinum Travel &Rewards� / Visa PlatinumCash Back�depending on your credit history.University Federal Credit UnionPO BOX 9350, Austin, Texas 78766512-467-8080 or 800-252-8311www.ufcu.org
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8.49 17.90 17.9013.90 8.49