Mastercard	  Choice	  Variable	  Pricing	  Information	  (Interest	  Rates	  and	  
Interest	  Charges)	  

Interest	  Rates	  and	  Interest	  Charges	  
Annual	  Percentage	  Rate	  (APR)	  for	  
purchases	  

APR	  for	  Balance	  Transfers	  

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	  Transactions	  

Penalty	  Fees	  

•  Late	  Payment	  
•  Returned	  Payment	  

10.24%	  When	  you	  open	  your	  account,	  based	  on	  
your	  creditworthiness.	  This	  APR	  will	  vary	  with	  the	  
market	  based	  on	  the	  13	  Week	  U.S.	  Government	  
Treasury	  Bill.	  
10.24%	  When	  you	  open	  your	  account,	  based	  on	  
your	  creditworthiness.	  This	  APR	  will	  vary	  with	  the	  
market	  based	  on	  the	  13	  Week	  U.S.	  Government	  
Treasury	  Bill.	  
10.24%	  When	  you	  open	  your	  account,	  based	  on	  
your	  credit	  worthiness.	  This	  APR	  will	  vary	  with	  
the	  market	  based	  on	  the	  13	  Week.	  U.S.	  
Government	  Treasury	  Bill.	  
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	  
https://www.consumerfinance.gov/learnmore.	  

None	  

None	  
None	  
1%	  of	  each	  transaction	  in	  U.S.	  dollars.	  

Up	  to	  $15.	  
None	  

How	  We	  Will	  Calculate	  Your	  Balance:	  We	  use	  a	  method	  called	  “average	  daily	  balance	  (including	  
new	  purchases).”	  

This	  information	  is	  accurate	  as	  of	  11/01/2016	  and	  is	  subject	  to	  change	  after	  publication	  date.	  	  Please	  contact	  
DuTrac	  Community	  Credit	  Union	  regarding	  any	  recent	  disclosure	  changes	  after	  date	  of	  publication	  by	  calling	  
toll-­‐free	  (800)	  475.1331	  or	  send	  your	  request	  via	  mail	  to:	  DuTrac	  Community	  Credit	  Union	  •	  PO	  Box	  3250	  •	  
Dubuque,	  IA	  52004-­‐3250.