Promotional Disclosures for 2016 CashBack Rewards and Premier Rate MasterCard® Credit Cards 

Interest Rates and Interest Charges 
MasterCard® 
Credit Cards 

CashBack Rewards 

Premier Rate 

APR for 
Balance 
Transfers 

APR for Cash 
Advances 

0% Introductory APR for balance transfers made
during the first 90 days from the date of account 
opening.  Promotional balances will remain at 
0% APR for twelve full billing cycles.
Beginning with the thirteenth billing cycle, your APR 
will be 10.15% to 18% based on your
creditworthiness and other factors. This APR will vary 
with the market based on the Prime Rate. 
0% Introductory APR for cash advance made during
the first 90 days from the date of account 
opening.  Promotional balances will remain at 
0% APR for twelve full billing cycles.
Beginning with the thirteenth billing cycle, your APR 
will be 10.15% to 18% 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. Promotional balances will remain at  
0% APR for twelve full billing cycles.
Beginning with the thirteenth billing cycle, your APR 
will be 7.95% to 16.95% 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. Promotional balances will remain at  
0% APR for twelve full billing cycles.
Beginning with the thirteenth billing cycle, your APR 
will be 7.95% to 16.95% based on your
creditworthiness and other factors. This APR will vary 
with the market based on the Prime Rate. 

Fees 

Annual Fee 

None 

Balance Transfer

Transaction Fees 
•
• Cash Advance
•

Foreign Transaction

$0 from January 1, 2016 through December 31, 2016* 
$0 from January 1, 2016 through December 31, 2016* 
Up to 1.1% 

*Beginning January 1, 2017, all balance transfers and cash advance transactions will incur a 2% fee ($200 max) of the transaction amount.
Please contact our Member Service Center for complete details.