11/1/2018
Current Rates - AmeriCU Credit Union
Credit Cards
Credit Cards
Please note: rates below are current as of November 1,2018 and are subject to change without notice.
	APR for purchases, cash advances and balance transfers	Annual Fee	Late Fee
VISA	9.73%, 10.98%,	NONE	Upto
Signature Rewards	13.23% or 15.23%** APR based on creditworthiness. This APR will vary with the market according to the Prime Rate.		$25.00
VISA	9.15%, 10.40%,	NONE Upto
Traditional	12.65% or	$25.00
Platinum	14.65%**	
APR based on creditworthiness. This APR will vary with the market according to the Prime Rate.
Notes
Minimum payment is 3% of balance or $25.00 whichever is greater. Credit limits based on ability to repay. Returned payment fee is up to $25. Minimum credit line is $5,000, maximum credit line is $50,000. You will not be charged interest on amounts less than $1.00. If you are charged interest, it will be no less than $0.50. Foreign Transaction Fee (Finance Charge) 1% of transaction amount in U.S. dollars.
Minimum payment is 3% of balance or $25.00 whichever is greater. Credit limits based on ability to repay. Returned payment fee is up to $25. Minimum credit line is $500, Maximum credit line is $30,000. You will not be charged interest on amounts less than $1.00. If you are charged interest, it will be no less than $0.50. Foreign Transaction Fee (Finance Charge) 1% of transaction amount in U.S. dollars.
https://www.americu.org/current-rates/
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11/1/2018
Current Rates - AmeriCU Credit Union
	APR for purchases, cash advances and balance transfers	Annual Fee	Late Fee	Notes
MasterCard	12.90% (purchases and balance transfers) 17.90% Cash Advances	NONE	Upto $20.00	Minimum payment is l/48th of balance or $10.00 whichever is greater. Credit limits based on ability to repay. Returned check fee is up to $25. Minimum credit line is $500, Maximum credit line is $5,000. Minimum Interest Charge is $0.50. Foreign Transaction Fee (Finance Charge) 1% of transaction amount.
Secured	15.90% (purchases	NONE	Upto	Minimum payment is l/48th of balance or
VISA Platinum	and balance transfers) 17.90% Cash Advances		$20.00	$10.00 whichever is greater. Credit limits based on ability to repay. Returned check fee is up to $25. Minimum credit line is $500, Maximum credit line is $5,000. Minimum Interest Charge is $0.50. Foreign Transaction Fee (Finance Charge) 1% of transaction amount.
*APR = Annual Percentage Rate.
** Your standard APR may vary and is based on Prime Rate. Your rate is determined by adding a margin to the Prime Rate. The Prime Rate Index used to determine your APR is the rate published in The Wall Street Journal quarterly (January, April, July and October) and changes are effective as of the first date of your next billing cycle. Current rates as of November 1,2018. (See cardholder agreement for complete details.)
Open a secured savings account with AmeriCU for $500+ to get a Secured VISA®. The credit limit on your Secured VISA® = the balance in your Secured Savings Account (in increments of $100 up to $5,000).
https://www.americu.org/current-rates/
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11/1/2018	Current Rates - AmeriCU Credit Union
VISA® (https://www.fuzeqna.com/americu/ext/kbdetail.aspx?kbid=4377)Traditional and
Signature Rewards Agreement (variable) (https://www.fuzeqna.com/americu/ext/kbdetail.aspx? kbid=4377)
VISA® Agreement (non-variable) (http://www.fuzeqna.com/americu/consumer/kbdetail.asp? kbid=3464)
MasterCard® Agreement (http://www.fuzeqna.com/americu/consumer/kbdetail.asp?kbid=3463)
Please note that Credit Cards are not eligible for MemberPlus
(https://www.americu.org/spendandsave/member-plus/) Relationship Pricing.
Share Certificates
Share Certificates
Please note: rates below are current as of November 1,2018 and are subject to change without notice. Disclosures (https://www.fuzeqna.com/americu/ext/kbsearch.aspx?catid=242)
DEDICATED SAVER SHARE CERTIFICATE	Minimum Annual	Dividend
Balance to Open Percentage Yield Rate
3-12 MONTH CERTIFICATE
Core	$50	0.50%	0.50%
Flex/Connect	$50	0.55%	0.55%
Connect Plus	$50	0.60%	0.60%
Partner	$50	0.65%	0.65%
SHARE CERTIFICATES	Minimum	Annual	Dividend
	Balance to Open	Percentage Yield	Rate
32 - 89 DAY SHARE CERTIFICATE			
Core	$ 1,000	0.15%	0.15%
https://www.americu.org/current-rates/
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