Effective date: 10 October 20181

Interest Rates and Interest Charges

Annual Percentage Rate (APR) 
for Purchases

Azure and UNA-USA:

5.90% introductory APR for six (6) months.* After that the APR will be 
12.90% and will vary with the market based on the Prime Rate.

Elite:

0.00% introductory APR for six (6) months.* After that the APR will be 
11.90% and will vary with the market based on the Prime Rate.

APR for Balance Transfers

12.90% for Azure and UNA-USA. This APR will vary with the market based on the  
Prime Rate. 
11.90% for Elite. This APR will vary with the market based on the Prime Rate.

APR for Cash Advances

12.90% for Azure and UNA-USA. This APR will vary with the market based on the  
Prime Rate. 
11.90% for Elite. This APR will vary with the market based on the Prime Rate.

Paying Interest

Your due date is at least 25 days after the close of each billing cycle. We will begin charging interest 
on purchases, cash advances, and balance transfers on the transaction date until they are paid. 
However, we will not charge you interest on purchases if you pay your entire balance by the due 
date each month.2

For Credit Card Tips from  
the Consumer Financial 
Protection Bureau

To learn more about the 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

Fees

Annual Fee

Transaction Fees
  Cash Advance
  Foreign Transaction

None for Azure and UNA-USA 
$50.00 for Elite

$5.00 or 2.00% of the transaction amount, whichever is greater.

None for Elite. 
Azure and UNA-USA:1.00% of transaction in US dollars with currency conversion,  
0.80% without currency conversion.

Penalty Fees
  Late Payment
  Returned Payment

$10.00

$25.00

How We Will Calculate Your Balance: 

We use a method called “average daily balance” (including new purchases).

Billing Rights: 

Information on your right to dispute transactions and how to exercise those rights is in your UNFCU credit card agreement.

*Introductory rates are only available to new UNFCU credit card accounts. Upgrades from Azure and UNA-USA are not eligible for introductory rates.

1. The information in this disclosure is accurate as of 10 October 2018, but may have changed after that date. To find out what may have changed, contact us using the contact  
     information listed on www.unfcu.org/contact.

2. We charge interest (unless the grace period applies) from the date of the transaction until the date you pay us back. There is no grace period for cash advances or balance transfers.

Credit Card Rates SheetG-13919 (10/18)