Federal 

Credit Union 

VISA 

INTEREST 

RATE AND INTEREST 

CHARGES 

Annual Percentage 
for Purchases 

Rate(APR) 

13.50%
This APR will vary with the market based on the Prime Rate. 

APR for Balance 

Transfers 2.99% Introductory APR through 2019.
APR will vary with the market based on the Prime Rate. 

13.50% This 

APR for Cash Advances  18% 

Paying 

Interest 

We will not charge you any interest 
due date each 
The Interest Charge on cash 

on purchases 

advances 

month. 

begins 

from the date you obtained the 

cash advance. 

and balance 

transfers 

if you pay 

your entire balance by the 

For Credit 
Card Tips from the  To learn more about factors 
Financial  of the Consumer 
Consumer 
Bureau 
Protection 

Bureau at 
htt12://www.consumerfinance.gov/learnmore 

Financial 

to consider 
Protection 

when applying 

for or using a credit 

card, visit 

the website 

FEES 

Annual Fees 

Introductory 

of $0 for the first 

year, $0 thereafter 

Transaction 
Fees 
• Balance 
Transfer None 
• Cash Advance None 
• Foreign 
Fees None 

Transaction 

Penalty 
Fees 
• Late Payment
Up to$25 
• Over-the-Credit-Line
None 
• Returned 
Up to$25 

Payment

Other Fees 
• Card Replacement $5.00/card 
• Rush Card
• Statement 
• Document 

$25.00/card 
5.00 
5.00 

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We use a method called "average 

daily balance". 

See your account 

agreement 

for further 

information 

regarding 

how 

payment 

Journal 

to dispute 

variable 

The minimum 

Payment 

on your rights 

two business 

of The Wall Street 

Information 

days (not weekends 

transactions 

Your Variable 

Your Balance: 

Calculation: 

APRs: We calculate 

or decrease each month if the Prime Rate changes. 

How We Will Calculate 
we calculate 
your balance. 
Billing 
Rights: 
Minimum 
payments that you have not made, and any amount you are over your 
How We Will Calculate 
section 
may increase 
Rate has changed. 
index and is not the 
Prime Rate: Variable 
Purchase 
the Prime Rate changes, 
greater than 1.50%. 
Balance 
decrease 
no less than 1% and no greater 
Cash APR: Your Cash rate is 18%. The monthly 

Transfer 
each month if the Prime Rate changes, 

If the APR increases, 
lowest 

interest rate available. 

but will not exceed the 

APR: For Purchase 

APR: For Balance 

but will not exceed 

transactions, 

transactions, 

you will pay a higher 

than 1.50%. 

interest 

periodic 

Transfer 

APRs are based on the 5.50% Prime Rate as of December 

20, 2018 

is 2% of the New Balance, 

and how to exercise 

those rights 
or $15.00, 
line by the date specified 

whichever 

is greater, 
on the statement. 

is provided 

in your account 

agreement. 
plus the amount of prior minimum 

credit 

APRs by adding 
or federal 

before 
Any new rate will be applied 

holidays) 

the closing 
as of the first 
minimum 

a margin to the highest 

U.S. Prime Rate published 

in the Money Rates 

date shown on your billing 

day of your billing 

cycle during 

statement. 

The APR 
which the Prime 

If The Wall Street Journal 

stops publishing 

the Prime Rate, we will select 

rate. 
a similar reference 

charge and may pay a higher 

payment. 

The Prime Rate is simply a reference 

we add a Margin of 8% to the Prime Rate of 5.50. The Purchase 

maximum rate of 18.00%. 

The Monthly 

periodic 

each month if 
rate of FINANCE CHARGES will be no less than 1% and no 

APR may increase 

or decrease 

we add a Margin of 8% to the Prime Rate of 5.50. The Balance 
periodic 

the maximum rate of 18.00%. 

The Monthly 

Transfer 

APR may increase 

or 

rate of FINANCE CHARGES will be 

rate of FINANCE CHARGES is 1112th 

of the APR or 1.5%.