University Federal Credit Union
PO BOX 9350, Austin, Texas 78766
512-467-8080 or 800-252-8311
www.ufcu.org

IMPORTANT CREDIT CARD DISCLOSURES
The following disclosure represents important details concerning your credit card. The information about costs of the card are
accurate  as  of  _______________  .  You can  contact  us  toll  free  at  (800)  252-8311  or  the  address  above  to  inquire  if  any
changes occurred since the effective date.

May 15, 2020

INTEREST RATES and INTEREST CHARGES:

Visa Platinum Great Rate®

Visa Platinum Travel &
Rewards® / Visa Platinum
Cash Back®

Great Rate Visa®
Secured Card

Annual Percentage Rate (APR)
for Purchases, Cash Advances,
and Balance Transfers

Penalty APR and When It
Applies

Paying Interest

% -

8.49
depending on your credit history.

17.90

%

% -

13.90
depending on your credit history.

17.90

%

8.49

%

17.90% This APR may be applied to your account if you:
1. Make a payment that is late 60 days or more; or
2. Make a payment that is returned and causes your account to be 60 days past due.
How  Long  Will  the  Penalty  APR  Apply? If  we  increase  your  APRs  due  to  a  late
payment, we may keep them at this higher level on existing and new balances until you
make six consecutive on-time minimum payments. If we increase your APRs for any other
reason, we may keep them at this higher level on new balances indefinitely.

Your due date is at least 25 days after the close of each billing cycle. We will not charge
you  interest  on  purchases  or  balance  transfers  if  you  pay  your  entire  new  purchase  or
balance transfer balance by the due date each month. We will begin charging interest on
cash advances on the date the cash advance is posted to your account.

Minimum Interest Charge

None

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:

Fees to Open or Maintain your
Account

• Annual Fee:
• Application Fee:

Transaction Fees

• None
• None

• Balance Transfer:
• Cash Advance:
• Foreign Transaction:

• None
• $5.00 or 1% of the amount of each cash advance, whichever is greater
• 1% of each transaction in U.S. dollars

Penalty Fees

• Late Payment:
• Over-the-Credit Limit:
• Returned Payment:

• Up to $25.00 if your payment is late 3 days or more
• None
• Up to $20.00 if your payment is returned for any reason

How We Will Calculate Your Balance: We use a method called "average daily balance (including new transactions)."

9009 LASER FPDF FI19606 Rev 4-2020

COPYRIGHT 2009 Securian Financial Group, Inc. All rights reserved.