APCU
Atlanta Postal Credit Union
3900 Crown Road Atlanta, GA 30380-0001
(404) 768-4126 • (800) 849-8431
Fax: (404) 669-2750
E-mail: info@apcu.com
Website: www.apcu.com
APPLICATION AND SOLICITATION DISCLOSURE
V/SA
Interest Rates and Interest Charges
Annual Percentage Rate (APR) for Purchases	APCU Visa Platinum/Affinity Rewards - UPMA Affinity Rewards - A-Plus/Affinity Rewards - NRLCA 0.00% Introductory APR for a period of six billing cycles. After that, your APR will be 9.90% tO 16.90% , based on your creditworthiness. APCU Choice/Center Parc Choice 0.00% Introductory APR for a period of six billing cycles. After that, your APR will be 7.25% tO 15.25% , based on your creditworthiness. This APR will vary with the market based on the Prime Rate. APCU Platinum Rewards/APCU Signature Rewards/Center Parc Platinum Rewards/Center Parc Signature Rewards/Affinity Georgia State Rewards 0.00% Introductory APR for a period of six billing cycles. After that, your APR will be 9.25% tO 17.25% , based on your creditworthiness. This APR will vary with the market based on the Prime Rate. APCU Momentum/Center Parc Momentum 0.00% Introductory APR for a period of six billing cycles. After that, your APR will be 11.25% to 15.25%, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
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APR for Balance Transfers	APCU Visa Platinum/Affinity Rewards - UPMA Affinity Rewards - A-Plus/Affinity Rewards - NRLCA 0.00% Introductory APR for a period of six billing cycles. After that, your APR will be 9.90% to 16.90%, based on your creditworthiness. APCU Choice/Center Parc Choice 0.00% Introductory APR for a period of six billing cycles. After that, your APR will be 7.25% to 15.25%, based on your creditworthiness. This APR will vary with the market based on the Prime Rate. APCU Platinum Rewards/APCU Signature Rewards/Center Parc Platinum Rewards/Center Parc Signature Rewards/Affinity Georgia State Rewards 0.00% Introductory APR for a period of six billing cycles. After that, your APR will be 9.25% to 17.25%, based on your creditworthiness. This APR will vary with the market based on the Prime Rate. APCU Momentum/Center Parc Momentum 0.00% Introductory APR for a period of six billing cycles. After that, your APR will be 11.25% to 15.25%, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
APR for Convenience Checks	APCU Visa Platinum/Affinity Rewards - UPMA Affinity Rewards - A-Plus/Affinity Rewards - NRLCA 0.00% Introductory APR for a period of six billing cycles. After that, your APR will be 9.90% to 16.90%, based on your creditworthiness. APCU Choice/Center Parc Choice 0.00% Introductory APR for a period of six billing cycles. After that, your APR will be 7.25% to 15.25%, based on your creditworthiness. This APR will vary with the market based on the Prime Rate. APCU Platinum Rewards/APCU Signature Rewards/Center Parc Platinum Rewards/Center Parc Signature Rewards/Affinity Georgia State Rewards 0.00% Introductory APR for a period of six billing cycles. After that, your APR will be 9.25% to 17.25%, based on your creditworthiness. This APR will vary with the market based on the Prime Rate. APCU Momentum/Center Parc Momentum 0.00% Introductory APR for a period of six billing cycles. After that, your APR will be 11.25% to 15.25%, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
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APR for Cash Advances	APCU Visa Platinum/Affinity Rewards - UPMA Affinity Rewards - A-Plus/Affinity Rewards - NRLCA 9.90% to 16.90%, based on your creditworthiness. APCU Choice/Center Parc Choice 9.25% to 17.25%, when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate. APCU Platinum Rewards/APCU Signature Rewards/Center Parc Platinum Rewards/Center Parc Signature Rewards/Affinity Georgia State Rewards 11.25% to 19.25%, when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate. APCU Momentum/Center Parc Momentum 0.00% Introductory APR for a period of six billing cycles. After that, your APR will be 13.25% to 17.25%, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
How to Avoid Paying Interest on Purchases	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.
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 - APCU Visa Platinum, Affinity Rewards - UPMA, Affinity Rewards - A-Plus, Affinity Rewards - NRLCA, APCU Choice, Center Parc Choice, APCU Momentum, Center Parc Momentum -	Foreign Transaction Fee - APCU Signature Rewards, Center Parc Signature Rewards	None 2.00% of the amount of each cash advance 1.00% of each transaction in U.S. dollars None
Penalty Fees -	Late Payment Fee -	Over-the-Credit Limit Fee -	Returned Payment Fee	Up to $40.00 Up to $29.00 Up to $29.00
How We Will Calculate Your Balance:
We use a method called "average daily balance (including new purchases)."
Promotional Period for Introductory APR:
The Introductory APR for purchases, balance transfers, and convenience checks will apply to transactions posted to your account during the first 75 days following the opening of your account.
Effective Date:
The information about the costs of the card described in this application is accurate as of: November 29, 2021
This information may have changed after that date. To find out what may have changed, contact the Credit Union.
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For California Borrowers, the APCU Visa Platinum, Affinity Rewards - UPMA, Affinity Rewards - A-PLUS, Affinity Rewards - NRLCA, APCU Momentum, Center Parc Momentum, APCU Choice, Center Parc Choice, APCU Platinum Rewards, APCU Signature Rewards, Center Parc Platinum Rewards, Center Parc Signature Rewards, and Affinity Georgia State Rewards are secured credit cards. Credit extended under this credit card account is secured by various personal property and money including, but not limited to: (a) any goods you purchase with this account, (b) any shares you specifically pledge as collateral for this account on a separate Pledge of Shares, (c) all shares you have in any individual or joint account with the Credit Union excluding shares in an Individual Retirement Account or in any other account that would lose special tax treatment under state or federal law, and (d) collateral securing other loans you have with the Credit Union excluding dwellings.
Other Fees & Disclosures:
Late Payment Fee:
$29.00 or the amount of the required minimum payment, whichever is less, if you are 10 or more days late in making a payment. In the event you fail to make a payment on time in any of the six billing cycles following the initial violation, you will be charged $40.00 or the amount of the required minimum payment, whichever is less.
Cash Advance Fee (Finance Charge):
2.00% of each cash advance.
Over-the-Credit Limit Fee:
$29.00 or the amount of the transaction exceeding your approved credit limit, whichever is less.
Returned Payment Fee:
$29.00 or the amount of the required minimum payment, whichever is less.
Returned Convenience Check Fee:
$29.00 if the amount of the convenience check is $29.00 or greater. If the convenience check is less than $29.00, the fee will not be assessed.
Card Replacement Fee: $10.00.
Document Copy Fee: $5.00.
Pay-by-Phone Fee:
$10.00.
Rush Fee:
$25.00.
Statement Copy Fee:
$5.00.
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© CUNA Mutual Group 2009,10,12,16 All Rights Reserved
01000038-MXC10-C-2-112321 (MXC102-E)