Important Account Terms 

Interest Rates and Interest Charges 
Annual Percentage Rate (APR) for 
Purchases 

APR for Cash Advances and 
Balance Transfers 

How to Avoid Paying Interest on 
Purchases 

For Credit Card Tips from the 
Federal Reserve Board 

Fees 
Annual Fee 
Transaction Fees 

•  Balance Transfer 
•  Cash Advance 
•  Foreign Transaction 

Penalty Fees 

•  Late Payment 
•  Returned Payment 

2.99% introductory APR for six months 
After that, your APR will be 7.75% - 15.75% variable 
(Standard Rate) or 17.99% (Standard Rate), based on 
your creditworthiness. The variable APR will vary with the 
market based on the Prime Rate. 
2.99% introductory APR for six months 
After that, your APR will be 8.75% - 16.75% variable 
(Standard Rate) or 17.99% (Standard Rate), based on your 
creditworthiness. The variable APR will vary with the market 
based on the Prime Rate. 

Your due date is at least 25 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. 
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 

$0 or 45*  

$0 
$0 
Up to 1% of each transaction in U.S. dollars 

Up to $25 
Up to $25 

*There  is  no  Annual  Fee  when  your  account  is  subject  to  a  variable  rate.    If  at  any  time  your  APR  is 
subject to a 17.99% Standard Rate, a $45 Annual Fee will apply for as long as your account is subject to 
the 17.99% Standard Rate. 

How We Will Calculate Your Balance: We use a method called “average daily balance (including new 
purchases).” 

Billing  Rights:  Information  on  your  rights  to  dispute  transactions  and  how  to  exercise  those  rights  is 
provided in the enclosed Credit Card Agreement. 

As  provided  in  the  Credit  Card  Agreement,  after  your  account  has  been  open  for  one  year,  we  may 
additionally adjust your Standard Rate for all advances based on a periodic review of your credit standing.  
The purchases Standard Rate  will range from a rate equal to the Index plus a Purchases  Base Rate of 
4.50%  to  12.50%.    The  cash  advances  Standard  Rate  will  range  from  a  rate  equal  to  the  Index  plus  a 
Cash Advances Base Rate of 5.50% to 13.50%.  Currently, the purchases Standard Rate Daily Periodic 
Rate  ranges  from  0.021233%  to  0.043151%,  (7.75%  to  15.75%  ANNUAL  PERCENTAGE  RATE);  and 
the cash advances Standard Rate Daily Periodic Rate ranges from 0.023973% to 0.045891% (8.75% to 
16.75% ANNUAL PERCENTAGE RATE).  These ranges may change in the future due to changes in the 
Index.  In addition, when periodically reviewing your credit standing, we also may choose to convert the 
Standard Rate for all advances from a variable rate to a non-variable Daily Periodic Rate of 0.049288% 
(17.99% ANNUAL PERCENTAGE RATE).  

*Annual Fee only applies to accounts with a 17.99% APR. Variable-rate accounts are not subject to the             
Annual Fee.  

The  information  about  the  costs  of  the  card  described  in  this  application  is  accurate  as  of  01/2013.  This 
information  may  have  changed  after  that  date.  To  find  out  what  may  have  changed,  write  to  us  at  Shell 
Federal Credit Union, P.O. Box 578, Deer Park, TX 77536. 

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