7/18/2016

Terms and Conditions Starter Visa ­ SkyOne Federal Credit Union

Starter Classic Visa  Terms and Conditions

®

Interest Rates and Interest
Charges

Variable Annual Percentage
Rate (APR) for Purchases,
Balance Transfers and Cash
Advances

18.00%

when you open your account.



  E䙶襬ective 07-18-2016

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Minimum Monthly Payment

2% of the outstanding balance or $40, whichever is greater.

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 interest on purchases if
you pay your entire balance by the due date each month.

For Credit Card Tips from the
Federal Reserve Board

To learn more about factors to consider when applying for
or using a credit card, visit the website of the Federal
Reserve Board.

Fees

Annual Fee

$0

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Transaction Fees

Penalty Fees

• Balance Transfer: $0 
• Cash Advance: $0 
• Foreign Transaction: Visa International Service
Assessment Fee 
          • Single Currency Transaction: 0.8% of transaction 
          • Multiple Currency Transaction: 1.0% of transaction

•   Late Payment: $25 for the 쎹싗rst violation, $30 for the next
violation(s) during the next 6 billing cycles 
•   Overlimit: $0 
•   Return Payment: $0

Balance Computation Method

Average daily balance including new purchases.

Finance Charge

Calculated using monthly periodic data.

Advertised rate includes a 0.25% discount for automatic payments. Without Autopay, your annual percentage rate will be
0.25% higher.

https://www.skyone.org/terms­and­conditions­starter­visa.html

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