DADE COUNTY FEDERAL CREDIT UNION
1500 NW 107th Ave (cid:129) Doral, FL 33172
(305) 471-5080 (cid:129) (800) 299-7147
Fax: (786) 845-3150 (cid:129) www.dcfcu.org

Interest Rates and Interest Charges

VISA PLATINUM AND VISA SECURED
APPLICATION AND SOLICITATION DISCLOSURE

Annual Percentage Rate (APR) for 
Purchases

APR for Cash Advances

Visa Platinum
8.65% to 17.90% when you open your account, based on your creditworthiness. 
This APR will vary with the market based on the Prime Rate.
Visa Secured
13.65% to 17.90%
This APR will vary with the market based on the Prime Rate.
Visa Platinum
8.65% to 17.90% when you open your account, based on your creditworthiness. This APR 
will vary with the market based on the Prime Rate.

Visa Secured

13.65% to 17.90% 
This APR will vary with the market based on the Prime Rate.

APR for Balance Transfers

Visa Platinum
8.65% to 17.90%  when you open your account, based on your creditworthiness. This 
APR will vary with the market based on the Prime Rate.

Visa Secured

13.65% to 17.90% 
This APR will vary with the market based on the Prime Rate.

Penalty APR and When it Applies

Minimum Interest Charge

None

None

How to Avoid Paying Interest on 
Purchases

Your due date is at least 25 days after the close of each billing cycle. We do not charge you interest on 
purchases if you pay your entire balance by the due date each month.

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
(cid:129) Cash Advance Fee
(cid:129) Foreign Transaction Fee

Penalty Fees
(cid:129) Late Payment Fee
(cid:129) Over-the-Credit Limit Fee
(cid:129) Returned Payment Fee

$5.00 or 2.00% of the advance (Maximum Fee: $100.00)
1.50% of each transaction in U.S. dollars

Up to $35.00
Up to $35.00
Up to $35.00

How We Will Calculate Your Balance. We use a method called “average daily balance (including new purchases).” 
Effective Date. The information about the costs of the card described in this application is accurate as of January 1, 2010. This information may 
have changed after that date. To find out what may have changed, contact the Credit Union.
OTHER DISCLOSURES
Late Payment Fee 

Over-the-Credit Limit Fee 

Returned Payment Fee 

Replacement Card Fee 
Statement Copy Fee 
Rush Fee 

 $25.00 or the amount of the required minimum payment, whichever is less. In the event you fail to make a payment 
on time in any of the six (6) billing cycles following the violation, you will be charged $35.00 or the amount of the 
required minimum payment, whichever is less.
 $25.00 or the amount of the transaction exceeding your credit limit, whichever is less. In the event you exceed your 
credit limit in any of the six (6) billing cycles following the violation, you will be charged $35.00 or the amount of the 
required minimum payment, whichever is less, if new balance less any fees is more than $1.00 over your credit limit.
 $25.00 or the amount of the required minimum payment, whichever is less. In the event a payment is returned in 
any of the six (6) billing cycles following the violation, you will be charged $35.00 or the amount of the required 
minimum payment.
$10.00 per card
$2.00
$25.00

© CUNA MUTUAL GROUP, 2009, ALL RIGHTS RESERVED  

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