7/18/2016

Savings Secured Visa Terms and Conditions ­ SkyOne Federal Credit Union

Savings Secured Classic Visa  Terms and Conditions

®

Interest Rates and Interest
Charges

Variable Annual Percentage
Rate (APR) for Purchases,
Balance Transfers and Cash
Advances

10.75%

when you open your account.



  E坋鵌ective 07-18-2016

Alert Me

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

Alert Me

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 檢rst 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 APR will be 0.25% higher.

https://www.skyone.org/savings­secured­visa­terms­and­conditions.html

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