A Federal Credit Union

Patroon Creek Corporate Center
700 Patroon Creek Blvd.
Albany, NY 12206-1067
518-452-8183
800-727-3328
www.sefcu.com

MASTERCARD FTB 
CREDIT CARD ACCOUNT OPENING DISCLOSURE

This Disclosure is incorporated into and becomes part of your LOANLINER® Consumer Credit Card Agreement.
Please keep this attached to your LOANLINER Consumer Credit Card Agreement.

Interest Rates and Interest Charges

Annual Percentage Rate (APR) for 
Purchases

APR for Balance Transfers

8.90% Introductory APR for a period of six (6) billing cycles. 
After that your APR will be 16.24%. This APR will vary with the market based on the Prime Rate.
8.90% Introductory APR for a period of six (6) billing cycles. 

After that your APR will be 16.24%. This APR will vary with the market based on the Prime Rate.

APR for Cash Advances

8.90% Introductory APR for a period of six (6) billing cycles. 

After that your APR will be 16.24%. This APR will vary with the market based on the Prime Rate.

Penalty APR and When It Applies

None

Paying Interest

Your due date is at least 25 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. We will begin charging interest on 
balance transfers and cash advances on the transaction date. 

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

Transaction Fees
-  Balance Transfer Fee
-  Cash Advance Fee

-  Foreign Transaction Fee

Penalty Fees
-  Late Payment Fee
-  Returned Payment Fee

$0.00
$5.00  or  3.00%  of  the  amount  of  each  cash  advance,  whichever  is  greater  (not  applicable  when  using 
convenience checks)
1.00% of each transaction in U.S. dollars

Up to $25.00 
Up to $25.00

How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).” See your account Agreement for more 
details.

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account Agreement. 

OTHER DISCLOSURES

Late Payment Fee 

Returned Payment Fee 

 $25.00 or 5.00% of the amount of the required minimum payment, whichever is less, if you are 15 or more days 
late in making a payment.
$25.00 or the amount of the required minimum payment, whichever is less.

Collection Costs: You agree to pay all costs of collecting the amount you owe under this Agreement, including court costs and reasonable attorney fees. 

Periodic Rates:
The Introductory Purchase APR is 8.90% which is a monthly periodic rate of 0.7417%.
The Purchase APR is 16.24% which is a monthly periodic rate of 1.3533%.
The Introductory Balance Transfer APR is 8.90% which is a monthly periodic rate of 0.7417%.
The Balance Transfer APR is 16.24% which is a monthly periodic rate of 1.3533%.
The Introductory Cash Advance APR is 8.90% which is a monthly periodic rate of 0.7417%.
The Cash Advance APR is 16.24% which is a monthly periodic rate of 1.3533%.

Variable Rate:
The ANNUAL PERCENTAGE RATE is subject to change quarterly to reflect any change in the Index and will be determined by the Prime Rate 45 days prior 
to the first day of each calendar quarter (January, April, July and October) as published in The Wall Street Journal “Money Rates” table to which we add 
a margin. The ANNUAL PERCENTAGE RATE will never be greater than 18.00%. Any increase in the ANNUAL PERCENTAGE RATE will take the form of 
additional payments shown as Total Minimum Payments on the statement. If the Index is no longer available, the credit union will choose a new index 
which is based upon comparable information.
Margin:
Purchases will be charged at 12.99% above the Index.
Balance Transfers will be charged at 12.99% above the Index.
Cash Advances will be charged at 12.99% above the Index.

Creation Date CU Contract No. CU Name Sales Order No. Stock No. Flat Size Finish Size Initials06/05/15 031-0001-7 SEFCU 19962 MXC453_MH 8.5 x 10.5 3.5 x 8.5 (Tri-fold) SY 
A Federal Credit Union

Patroon Creek Corporate Center
700 Patroon Creek Blvd.
Albany, NY 12206-1067
518-452-8183
800-727-3328
www.sefcu.com

MASTERCARD FTB

CREDIT CARD ACCOUNT  
OPENING DISCLOSURE

i002439

© CUNA Mutual Group 2009, 10, 12 All Rights Reserved

1-22C2X603 
CCM003 
MXC453

Creation Date CU Contract No. CU Name Sales Order No. Stock No. Flat Size Finish Size Initials06/05/15 031-0001-7 SEFCU 19962 MXC453_MH 8.5 x 10.5 3.5 x 8.5 (Tri-fold) SY