GTE Federal Credit Union DBA GTE Financial
P.O. Box 172599
Tampa, FL 33672-0599
(813) 871-2690
www.gtefinancial.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 December 16, 2015.  You can  contact  us  at  (813)  871-2690  or  toll  free  at  1-(888)  871-2690  or  P.O. Box
172599, Tampa, FL 33672-0599 to inquire if any changes occurred since the effective date.
INTEREST RATES and INTEREST CHARGES:

Annual Percentage Rate (APR)
for Purchases, Cash Advances,
& Balance Transfers

8.24% to 17.99%
depending on your creditworthiness. APR will
vary with the market based on the Prime Rate.

PLATINUM

SECURED
16.99%

Paying Interest

Your due date is at least 21 days after we mail your billing statement. 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

If you are charged interest, the charge will be no less than $0.50.

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:

Visa Platinum
Visa Secured
Visa Platinum with CU Rewards

- Application Fee:

Transaction Fees

- Convenience Check:
- Balance Transfer:
- Cash Advance:
- Foreign Transaction:

Penalty Fees

- Late Payment:

- Over-the-Credit Limit:
- Returned Payment:

None
None
$25.00*
None

None
None
None
1% of each transaction in U.S. dollars if the transaction involves a currency conversion
0.8% of each transaction in U.S. dollars if the transaction does not involve a currency
conversion

Up to $25.00 for the first offense, $35.00 for each additional offense until 6 consecutive
on-time payments are received
None
Up to $25.00 if your payment is returned for any reason

*An annual fee for your Visa Platinum CURewards card will be charged initially after the first 90 days and annually thereafter.
The annual fee will be waived for Member Advantage Program members. For more information about Member Advantage refer
to www.gtefinancial.org/MemberAdvantage. Visit www.gtefinancial.org/programrules for CURewards rules and conditions.
How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)."
Other Fees:
Payment by GTE Online Banking, Make Payment:
Payment by Branch Transaction (from checking):
Payment by Mail to Processing Center:
Rush PIN Fee:
Statement Copy:
Rush Card Fee:
Card Replacement Fee:
Payment By Processor:
Immediate Payment Fee:
Convenience Check Copy Fee:
Returned Convenience Check:
Convenience Check Stop Payment Request:
†
Fee waived for Member Advantage program members.
9009 LASER ML FI13040 Rev 12-2015

Free
Free
Free
$15.00 (Available free if completed in branch)
$1.00
$15.00
†
$6.95
$5.00
$3.00
$1.00
Up to $25.00 if a convenience check if declined for any reason
Up to $29.00 if you stop payment of a convenience check for any reason

COPYRIGHT 2009 Securian Financial Group, Inc. All rights reserved.