PO Box 11900
Tucson AZ 85734
520 794 8341 voice
520 205 5839 fax
www.hughesfcu.org

Interest Rates and Interest Charges

Annual Percentage Rate (APR)
 for Purchases

APR for Balance Transfers

APR for Cash Advances

VISA GOLD Disclosure 

11.95%

This APR shall be determined by the Hughes Federal Credit Union's Board of Directors

11.95%

This APR shall be determined by the Hughes Federal Credit Union's Board of Directors

11.95%

This APR shall be determined by the Hughes Federal Credit Union's Board of Directors

Penalty APR when it applies

16.99%

Paying Interest

This APR may be applied to your account if you make a late payment for two (2) 
consecutive months.

How Long Will the Penalty APR Apply:  If your APR is increased for the above 
reason, the Penalty APR will apply until you make six (6) consecutive minimum 
payments when due.

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 cash advances and balance 
transfers on the transaction date. 

Minimum Interest Charge

None

For Credit Card Tips from the 
Consumer Financial 
Protection Bureau

Fees

Annual Fee

Transaction Fees
* Balance Transfer
* Cash Advance
* Foreign Transaction

Penalty Fees
* Late Payment
* Over-the-Credit Limit
* Returned Payment

Other Fees
*Card Replacement
*Pull and Rush Fee
*Convenience Check Fees

*Pay by Phone (expedited)
*Design Your Own Card

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

None

None
None
1% of each transaction in U.S. dollars.

Up To $30
Up To $20
Up To $30

$10
$30
$10 for returned checks
$7.50 for stop payment
$7.50 for each check copy
$5
$9.95

How Will We 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.

GM 10/2015