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First Tech Rates | Credit Cards

RATES & FEES

Credit Cards

All Credit Cards
Eûective Date: May 1, 2020

Account

Annual Percentage Rate

Loan Amount (min/max)

Loan Term

Odyssey Rewards World Elite Mastercard 

as low as 6.99%

$25,000 / $100,000

revolving

Choice Rewards World Mastercard 

as low as 8.25%

$10,000 / $35,000

revolving

Platinum Rewards Mastercard 

as low as 7.99%

$500 / $25,000

revolving

Platinum Mastercard 

as low as 6.99%

$500 / $25,000

revolving

Platinum Secured Mastercard 

as low as 9.00%

$500 / $25,000

revolving

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
Purchases

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

https://www.firsttechfed.com/rates/credit-cards

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First Tech Rates | Credit Cards

Interest Rates and Charges

Platinum Rewards

7.99% to 18.00% when you open your account, based

Mastercard:

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.

0.00% introductory APR for the ürst twelve billing cycles on balances transferred
during the ürst 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

APR for Balance

Platinum Mastercard:

6.99% to 18.00% when you open your account,
based on your credit worthiness

Transfers

APR for Cash
Advances

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:

7.99% to 18.00% when you open your account,
based on your credit worthiness

Platinum 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
Purchases

Your 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
Bureau

Fees

To 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

Annual Fee

Odyssey Rewards World

Elite Mastercard

$75.00

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First Tech Rates | Credit Cards

Interest Rates and Charges

Platinum Mastercard

Platinum Rewards

Mastercard

Choice Rewards World

Mastercard

Platinum Secured

Mastercard

None

None

None

None

Transaction Fees
Foreign
Transaction

Cash Advance

Balance
Transfer

Penalty Fees

Late Payment

Returned
Payment

None

None
None

Up 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 Your 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.

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First Tech Rates | Credit Cards

Change in Terms: We can change the terms of your account as permitted by law. When required, we
will send you notice 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.

https://www.firsttechfed.com/rates/credit-cards

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