P.O. Box 1365 � Waynesboro, VA 22980 (540) 946-3200 � (800) 245-8085 FAX: (540) 946-3212  � mydccu.com 
IMPORTANT CREDIT CARD DISCLOSURES The following disclosure represents important details concerning your credit card. The information about costs of the card is accurate as of _______________. You can contact us toll free at (800) 245-8085 or at the address above if any changes 4/1/2021 occurred since the effective date. INTEREST RATES and INTEREST CHARGES: Annual Percentage Rate (APR) for Purchases Mastercard World Rewards 
11.99-18.99% 
depending on your credit history. This APR will vary with the market based on the Prime Rate. APR for Cash Advances 15.99-22.99% depending on your credit history. This APR will vary with the market based on the Prime Rate. APR for Balance Transfers 15.99-22.99% depending on your credit history. 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 not charge you interest on purchases if you pay your entire new purchase balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the date the cash advance or balance transfer 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 https://consumerfinance.gov/data-research/credit-card-data http://www.consumerfinance.gov/learnmore FEES: Fees to Open or Maintain your Account � Annual Fee: � Application Fee: None None Transaction Fees � Balance Transfer: � Cash Advance: � Foreign Transaction: 3 % of the amount of each transfer (minimum: $3 , maximum: $150 ) 3 % of the amount of each cash advance 1 % of each transaction in U.S. dollars Penalty Fees � Late Payment: � Over-the-Credit Limit: � Returned Payment: Up to $25 if your payment is late 10 days or more. Up to $25 if you exceed your credit limit. Up to $25 if your payment is returned for any reason. How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)." Payments greater than $2,500 will be subject to a 3 business day hold. Cash Advances may be completed up to 25% of the credit limit. 
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