Important Account Terms 

Interest Rates and Interest Charges 
Annual Percentage Rate (APR) for 
Purchases 

APR for Cash Advances and 
Balance Transfers 

How to Avoid Paying Interest on 
Purchases 

For Credit Card Tips from the 
Federal Reserve Board 

Fees 
Annual Fee 
Transaction Fees 

  Balance Transfer 
  Cash Advance 

  Foreign Transaction 

Penalty Fees 

  Late Payment 
  Returned Payment 

2.99%* introductory APR for six months 
After that, your APR will be 9.75% - 15.75% variable 
(Standard Rate) or 17.99% (Standard Rate), based on 
your creditworthiness. The variable APR will vary with the 
market based on the Prime Rate 
2.99%* introductory APR for six months 
After that, your APR will be 10.75% - 16.75% variable 
(Standard Rate) or 17.99% (Standard Rate), based on your 
creditworthiness. The variable APR will vary with the market 
based on the Prime Rate 
Your due date is at least 25 days after the close of each billing 
cycle. We will not charge you interest on purchases if you pay 
your entire balance by the due date each month. 
To learn more about factors to consider when applying for or 
using a credit card, visit the website of the Federal Reserve 
Board at http://www.federalreserve.gov/creditcard. 

$45**  

$0 
2% of the amount of each cash advance or $30, whichever is 
less 
Up to 1% of each transaction in U.S. dollars 

Up to $25 
Up to $25 

How We Will Calculate Your Balance: We use a method called “average daily balance (including new 
purchases).” 

*The introductory APR is for qualified borrowers only. If you do not qualify for the introductory APR, the 
Standard Rate will apply. 

**Annual Fee only applies to accounts with a 17.99% APR. Variable-rate accounts are not subject to the 
Annual Fee.  

The  information  about  the  costs  of  the  card  described  in  this  application  is  accurate  as  of  11/2010.  This 
information  may  have  changed  after  that  date.  To  find  out  what  may  have  changed,  write  to  us  at  Shell 
Federal Credit Union, P.O. Box 578, Deer Park, TX 77536. 

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