Showing general rates
Mastercard Credit Card Application
Disclosure
This information is accurate as of 5.1.20 and is subject to change after this date. For current information, please contact
First Tech Federal Credit Union at PO Box 2100, Beaverton, OR 97075-2100, call us at 855.855.8805 or visit
firsttechfed.com
Interest Rates and Charges
Annual Percentage Rate
(APR) for PurchasesOdyssey Rewards World Elite Mastercard:6.99% to 18.00%  when you open your account, based on your credit
worthiness
Platinum Mastercard:6.99% to 18.00%  when you open your account, based on your credit
worthiness
Platinum Rewards Mastercard:7.99% to 18.00%  when you open your account, based on your credit
worthiness
Choice Rewards World Mastercard:8.25% to 18.00%  when you open your account, based on your credit
worthiness
Platinum Secured Mastercard:9.00% to 18.00%  when you open your account, based on your credit
worthiness
After that your APR will vary with the market based on the Prime Rate.
APR for Balance Transfers0.00%  introductory APR for the first twelve billing cycles on balances transferred during the first 90 days after account
opening. After that:
Odyssey Rewards World Elite Mastercard:6.99% to 18.00%  when you open your account, based on your credit
worthiness
Platinum Mastercard:6.99% to 18.00%  when you open your account, based on your credit
worthiness
Platinum Rewards Mastercard:7.99% to 18.00%  when you open your account, based on your credit
worthiness
Choice Rewards World Mastercard:8.25% to 18.00%  when you open your account, based on your credit
worthiness
Your APR will vary with the market based on the Prime Rate.
Odyssey Rewards World Elite Mastercard:9.00% to 18.00%  when you open your account, based on your credit
worthinessAccount Annual Percentage Rate Loan Amount (min/max) Loan Term
as low as 6.99% $25,000 / $100,000 revolving
as low as 8.25% $10,000 / $35,000 revolving
as low as 7.99% $500 / $25,000 revolving
as low as 6.99% $500 / $25,000 revolving
as low as 9.00% $500 / $25,000 revolvingAll Credit Cards
Effective Date: May 1, 2020
Odyssey Rewards World Elite Mastercard
Choice Rewards World Mastercard
Platinum Rewards Mastercard
Platinum Mastercard
Platinum Secured Mastercard
Page 1 of 3   Interest Rates and Charges
APR for Cash AdvancesPlatinum Mastercard:7.99% to 18.00%  when you open your account, based on your credit
worthiness
Platinum Rewards Mastercard:8.99% to 18.00%  when you open your account, based on your credit
worthiness
Choice Rewards World Mastercard:9.25% to 18.00%  when you open your account, based on your credit
worthiness
Platinum Secured Mastercard:10.00%  to 18.00%  when you open your account, based on your credit
worthiness
This APR will vary with the market based on the Prime Rate.
How to Avoid Paying Interest
on PurchasesYour due date is at least 21 days after the close of each billing cycle. We will not charge you interest on Purchases if you
pay your entire balance by the due date each month. We will begin charging interest on cash advances and transfers as of
the transaction date.
Minimum Interest None
For Credit Card from the
Consumer Financial
Protection BureauTo learn more about factors to consider when applying for or using a credit card, visit the Consumer Financial Protection
Bureau at:  www.consumerfinance.gov/learnmore
Fees
Annual FeeOdyssey Rewards World Elite
Mastercard $75.00
Platinum MastercardNone
Platinum Rewards MastercardNone
Choice Rewards World MastercardNone
Platinum Secured MastercardNone
Transaction Fees
Foreign Transaction
Cash Advance
Balance TransferNone
None
None
Penalty Fees
Late Payment
Returned PaymentUp to $25.00
Up to $25.00
 
How We Will Calculate Your Balance:  We use a method called �average daily balance� (excluding new purchases). For Cash
Advances and Balance Transfers, we use a method called "average daily balance" (including new Cash Advances and
Balance Transfers).
Variable Rate Information:  Your APR may increase or decrease. Rates are determined and adjusted monthly on the day
following your statement closing date by adding a Margin to the highest U.S. Prime Rate as of the 15th of the previous
month. The Margin is determined based on an evaluation of each Member's credit history. The margin will range from
3.74% to 14.74% based on product type. Your maximum APR will not exceed 18%.
How we Calculate My Minimum Payment?  Your minimum payment will be 2% of your balance or $25.00 whichever is
greater, if your balance is less than $25.00 your minimum payment will be equal to your balance.
Balance Transfers: The introductory APR for balance transfers is good for 12 billing cycles from date of completed
transfer on balances transferred within the first 90 days of account opening. After the 12 billing cycles, your rate will be
the standard purchases APR. Balances transferred from existing First Tech Federal Credit Union accounts are not eligible
for the introductory APR. Interest will start to accrue on the day the balance transfer is posted to your account, unless your
balance transfer is subject to a promotional APR of 0.00%. In this case, no interest will accrue on the balance transferred
until your 0% APR introductory period ends. If you take advantage of the introductory balance transfer offer, you will be
charged interest on purchases unless your purchase APR is at a promotional 0.00%. To avoid interest on new purchases
after you transfer a balance, you must pay your entire account balance on your account, including any balances you
transfer under the introductory APR, purchases or cash advances, in full by the end of your current cycle.
Change in Terms:  We can change the terms of your account as permitted by law. When required, we will send you notice
Page 2 of 3   before doing so.
Loss of Introductory APR : We may end your introductory APR and apply the rate appropriate to your account, 6.99% to
18.00% for Balance Transfers APR, if you make a late payment during the introductory period. This APR will vary with the
market based on the Prime Rate.
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