Interest Rates and Interest Charges

Mastercard® 
Credit Cards

Annual Percentage 
Rate (APR) 
for Purchases

APR for  
Balance Transfer

APR for  
Cash Advances

CashBack Rewards

Premier Rate

9.90% to 17.90% APR 
when you open your account, based on your 
creditworthiness and other factors. After 
that, this APR will vary with the market based 
on the Prime Rate.

7.70% to 16.70% APR 
when you open your account, based on your 
creditworthiness and other factors. After 
that, this APR will vary with the market based 
on the Prime Rate.

0% Introductory APR for Balance Transfers  
made during the first 90 days from the date of 
account opening. Introductory APR does not  
apply to purchases. Promotional balances will 
remain at 0% APR for 12 months starting 
from the date of the initial Balance Transfer 
request. Beginning with the 13th month, your 
APR will be 9.90% to 17.90% based on your 
creditworthiness and other factors. This APR will 
vary with the market based on the Prime Rate.

0% Introductory APR for Balance Transfers  
made during the first 90 days from the date of 
account opening. Introductory APR does not  
apply to purchases. Promotional balances will 
remain at 0% APR for 12 months starting 
from the date of the initial Balance Transfer 
request. Beginning with the 13th month, your 
APR will be 7.70% to 16.70% based on your 
creditworthiness and other factors. This APR will 
vary with the market based on the Prime Rate.

0% Introductory APR for Cash Advances made 
during the first 90 days from the date of account 
opening. Introductory APR does not apply to 
purchases. Promotional balances will remain at 
0% APR for 12 months starting from the date of 
the initial Cash Advance request. Beginning with the 
13th month, your APR will be 9.90% to 17.90% 
based on your creditworthiness and other factors. 
This APR will vary with the market based on the 
Prime Rate.

0% Introductory APR for Cash Advances 
made during the first 90 days from the date of 
account opening. Introductory APR does not 
apply to purchases. Promotional balances will 
remain at 0% APR for 12 months starting 
from the date of the initial Cash Advance 
request. Beginning with the  13th month, your 
APR will be 7.70% to 16.70% based on your 
creditworthiness and other factors. This APR will 
vary with the market based on the Prime Rate.

Penalty APR and When 
it Applies

None

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 Transaction

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, including balance transfers and cash 
advances, by the due date each month. If the ENTIRE balance is not paid, then interest will be charged 
on any purchases, but not on the balance transfers and/or cash advances made during the first 90 
days of the account opening.

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 http://www.consumerfinance.gov/learnmore.

None

None

Up to 2% of the amount 
of each cash advance
None

Penalty Fees
• Late Payment

Up to $25

• Over the Credit Limit

None

• Returned Payment

Up to $24

Other Fees

None

How We Calculate Your Balance  
We use a method called “average daily balance” (including new purchases). See the terms and conditions of your credit card agreement 
for more details.

Security Interest Specific for Credit Cards:  
If you are approved for a credit card, you acknowledge and pledge, specifically as a condition of your use of the credit card, that you have 
voluntarily granted Randolph-Brooks Federal Credit Union (RBFCU) a security interest in all of your individual and joint share accounts 
at RBFCU. If your credit card loan becomes delinquent, this security interest may be used without further notice to pay all or part of such 
delinquency. This security interest does not apply to shares in an Individual Retirement Account (IRA).

The information about the cost of the cards described in this disclosure is accurate as of April 2020. This information may have changed after 
that date. To find out what may have changed, call us toll-free at 1-800-580-3300 or write to us at Randolph-Brooks Federal Credit Union, P.O. 
Box 2097, Universal City, Texas 78148-2097.