Interest Rates and Interest Charges

Visa Platinum Disclosure

Annual Percentage Rate (APR)
for Purchases

APR for Balance Transfers

APR for Cash Advances

Penalty APR when it applies

Paying Interest

Minimum Interest Charge

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)
*DesignYour Own Card

9.50% - 12.50%
Based on creditworthinesss. This APR shall be determined by the Hughes Federal Credit Union's Board 
of Directors
9.50% - 12.50%
Based on creditworthinesss. This APR shall be determined by the Hughes Federal Credit Union's Board 
of Directors
9.50% - 12.50%
Based on creditworthinesss. This APR shall be determined by the Hughes Federal Credit Union's Board of 
Directors
16.99%
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. 
None

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.
An international transaction fee may be charged for any card transaction or purchase made in a foreign 
country or involving a merchant located in a foreign country, even if you are in the United States while making 
the transaction.

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
$4.95
$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.

Platinum-A-Credit-Card-Disclosure-ML 04/27/2021