4/28/2020

SAFE Credit Union - Rates and Disclosures

Credit Card Rates & Disclosures
Rates effective as of March 18, 2020

Rates and terms are subject to change without notice.

Log on to SAFE's website at www.safecu.org for current rates or to apply for a loan online.

Interest Rates and Interest Charges

Annual Percentage Rate (APR) for Purchases,
Balance Transfers, and Cash Advances

Introductory APR

Penalty APR and When it Applies

Platinum Rewards Visa 

®

 Card

10.49% - 16.49%

Cash Rewards Visa 

®

 Card

12.49% - 18.49%

Platinum Visa 

®

 Card

8.49% - 14.49%

Aerospace Museum of California Visa 

®

 Card

10.49% - 16.49%

Secured Credit Cards

Cash Rewards Secured Card

18.49%

Platinum Rewards Secured Card

16.49%

Platinum Secured Card

14.49%

Visa 

®

 Business Credit Card

9.90% - 15.90%

APR is based on your creditworthiness and will vary with the market based on the U.S. Prime Rate.

Visa 

®

 Business Credit Card

1
1.90% introductory APR for 6 months

After that, your standard variable APR between 9.90% - 15.90% will apply. This APR will vary with
the market based on the U.S. Prime Rate.

Platinum Rewards Visa 
Museum of California Visa 
Secured, and Visa 

®

®

 Business Credit Card

 Card, Cash Rewards Visa 

 Card, Platinum Visa 
 Card, Cash Rewards Secured, Platinum Rewards Secured, Platinum

 Card, Aerospace

®

®

®

https://www.safecu.org/rates-disclosures/safe-credit-card-rates

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21.90% This APR may be applied to your account if you:

  
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SAFE Credit Union - Rates and Disclosures

1. Make a late payment
2. Make a payment that is returned.

How long will the Penalty APR apply? If your APRs are increased for either of these reasons, the
Penalty APR will apply until you make six consecutive minimum payments when due.

https://www.safecu.org/rates-disclosures/safe-credit-card-rates

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SAFE Credit Union - Rates and Disclosures

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 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 as of the transaction date.

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 www.consumerfinance.gov/learnmore .

Fees

Annual Fee

Transaction Fees

Platinum Rewards Visa 
Museum of California Visa 
None

®

®

 Card, Cash Rewards Visa 

 Card, Platinum Visa 

 Card, Aerospace

®

®

 Card, and Visa 

 Business Credit Card

®

Secured Credit Cards
$15

®

 Card, Aerospace Museum of California Visa 

Platinum Rewards Visa 
Rewards Secured
Balance Transfer: None 
Cash Advance: Either $10 or 3% of the amount of each transfer, whichever is greater. (no fee for
cash advances taken at any SAFE ATM, through CALL-24 Phone banking, or through SAFE Online
Banking). 
Foreign Transaction: None

 Card, and Platinum

®

®

®

 Card, Platinum Visa 

 Card, Cash Rewards Secured, and Platinum Secured

Cash Rewards Visa 
Credit Cards.
Balance Transfer: None 
Cash Advance: Either $10 or 3% of the amount of each transfer, whichever is greater. (no fee for
cash advances taken at any SAFE ATM, through CALL-24 Phone banking, or through SAFE Online
Banking). 
Foreign Transaction: Up to 1% of each transaction in U.S. dollars.

®

 Business Credit Card

Visa 
Balance Transfer: None 
Cash Advance: None 
Foreign Transaction: Up to 1% of each transaction in U.S. dollars.

Penalty Fees

Late Payment: $15 or the current minimum payment amount, whichever is less. 
Returned Payment: Up to $10.

https://www.safecu.org/rates-disclosures/safe-credit-card-rates

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SAFE Credit Union - Rates and Disclosures

How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)."

1 Introductory APR is available to well-qualified applicants only.

2 Secured credit cards are secured by a pledge of specific funds held on deposit in a share account at SAFE Credit Union.

https://www.safecu.org/rates-disclosures/safe-credit-card-rates

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