Your due date is at least 21 days after we mail your billing statement. We will not charge youinterest on purchases if you pay your entire new purchase balance by the due date eachmonth, otherwise we will charge you interest as of the date the purchase transaction postedto your account. We will begin charging interest on cash advances and balance transfers onthe date the transaction posts to your account.Paying InterestMinimum Interest ChargeNoneTo learn more about factors to consider when applying for or using a credit card, visitthe website of the Consumer Financial Protection Bureau athttp://www.consumerfinance.gov/learnmoreFEES:Fees to Open or Maintainyour Account- Annual Fee:- Application Fee:NoneNoneThe following disclosure represents important details concerning your credit card. The information about costs of the card areIMPORTANT CREDIT CARD DISCLOSURESaccurate as of. You can contact us toll free at (800) 852-5886 to inquire if any changes occurred since the9.75%, 10.75%,11.75%, or 13.75%INTEREST RATES and INTEREST CHARGES:Annual Percentage Rate(APR) for Purchases &Balance Transfersdepending on your credit history.
9009 LASER DP FI16547 Rev 3-2020 COPYRIGHT 2009 Securian Financial Group, Inc. All rights reserved.UMassFive College Federal Credit Union200 Westgate Center Drive / PO Box 1060Hadley, MA 01035(800) 852-5886www.umassfive.coop
Transaction Fees- Balance Transfer:- Cash Advance:- Foreign Transaction:Penalty Fees- Late Payment:- Over-the-Credit Limit:- Returned Payment:$10.00 or 3.00% of the amount of each cashadvance, whichever is greater.NoneUp to $27.00 or the amount of the required minimum payment, whichever is less, if you areone (1) or more days late in making a payment. In the event you fail to make a payment ontime in any of the six (6) billing cycles following the initial violation, you will be charged up to$38.00 or the amount of the required minimum payment, whichever is less.NoneUp to $27.00 the first time your payment is returned for any reason within the following 6billing cycles, you will be charged up to $38.00 for each returned payment.
How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)."For Credit Card Tips fromthe Consumer FinancialProtection BureauThis APR will vary with the marketbased on the Prime Rate.APPLICATION AND SOLICITATION DISCLOSURES
effective date.
Minimum Payment Requirement: $25.00 or 2% of balance plus the full amount of any balance in excess of your credit limit.Low Rate VISA Platinum	Cash Back VISA Signature	
12.75%, 13.75%, 14.75%,16.75%, or 18.00%
This APR will vary with the market based onthe Prime Rate.depending on your credit history.
Low Rate VISA Platinum	 Cash Back VISA Signature	
NoneNoneNone$10.00 or 3.00% of the amount of each cashadvance, whichever is greater.1.00% of each transaction in U.S. dollars ifthe transaction involves a currencyconversion; 0.80% of each transaction inU.S. dollars if the transaction does notinvolve a currency conversion.3% of the amount of each transfer (maximum: $30.00)
APR for Cash Advances9.75%, 10.75%, 11.75%, or 13.75%This APR will vary with the marketbased on the Prime Rate.depending on your credit history.14.75%, 15.75%, 16.75%, or 18.00%depending on your credit history.This APR will vary with the marketbased on the Prime Rate.