Interest Rates and Interest Charges

Premier

VISA Platinum Credit Card Disclosure

Rewards
Earn points for travel and merchandise 
with each purchase.

Annual Percentage Rate (APR) for Purchases

1.99% introductory APR for 6 months 
from date the account is opened. After that, 

1.99% introductory APR for 6 months 
from date the account is opened. After that, 

the  rate on any remaining balance will 

the  rate on any remaining balance will 

return to the APR as disclosed at account 
opening  (9.90% - 17.90%) based 
upon your credit worthiness.

return to the APR as disclosed at account 
opening  (10.90% - 18.90%) based 
upon your credit worthiness.

APR for Balance Transfers

9.90% - 17.90%

10.90% - 18.90%

APR for Cash Advances

9.90% - 17.90%

10.90% - 18.90%

Penalty APR and When it Applies

19.99%
This APR may be applied to your account if you:

1)  Make a late payment;
2)  Make a payment that is returned; or
3)  Do any of the above on another account that you have with us.

How Long Will the Penalty APR Apply?

If your APRs are increased for any of these reasons, the Penalty APR will apply until you make six 
consecutive minimum payments when due.

How to Avoid Paying Interest on Purchases

Your due date is at least 27 days after the close of each billing cycle. We will not charge 
you any interest on purchases if you pay your entire balance by the due date each month.

Minimum Interest Charge

If you are charged interest, the charge will be no less than $1.00.

For Credit Card Tips from  the Consumer 
Financial Protection Bureau

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.

Fees

Annual Fee

Transaction Fees

• Balance Transfer

• Cash Advance

• Foreign Transaction

Penalty Fees

• Late Payment

• Over-the-Credit Limit

• Returned Payment

None

None

None

1% of each transaction in U.S. dollars.

$20.00

None

$20.00

How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).”

The above information is accurate as of June 1, 2014.

www.foxcu.org