Amalgamated Bank Credit Card 
Cardmember Agreement 

RETAIL INSTALLMENT CREDIT AGREEMENT 

V. FEB2016.3 

AGREEMENT TERMS.  In this Agreement, the word “Cardmember” means any person who applied and was 
approved for a Card.  The words “you,” “your” and “yours” mean the Cardmember.  If you have a Union Credit 
Card, the word “Union” means the union of which the Cardmember is a member in good standing.  The words 
“we,” “us,” “our,” “ours” and “Bank” mean Amalgamated Bank of Chicago and its successors or assigns. 

CHANGING THIS AGREEMENT.  Subject to the limitations of applicable law, we may at any time change, 
add to or delete any of the terms and conditions in this Agreement, including, but not limited to, interest rates 
and fees and this Changing This Agreement section.  Such changes may be based, in whole or in part, upon 
factors including, but not limited to, anti-fraud policies and procedures, your record of making timely payments 
and staying within the established Credit Limit on your Account with us, or your credit score and information 
contained in your credit report.  We will give you notice of any change, addition or deletion as required by 
applicable law.  As of the effective date, the changed terms, at our option, will apply to new Purchases, 
Advances and Balance Transfers and to the outstanding balances of your Account, to the extent permitted by 
applicable law. 

CREDIT LIMIT.  We will grant you credit up to a maximum amount (your “Credit Limit”).  You will be 
informed of your initial Credit Limit when you receive your Card.  Your current Credit Limit will be shown on 
each monthly statement.  You promise not to exceed your Credit Limit.  However, if you exceed your Credit 
Limit, we can still charge you for all Purchases, Advances, Balance Transfers, interest and fees without giving 
up any of our rights.  At our discretion, we may change your Credit Limit at any time without advance notice to 
you. 

USE OF ACCOUNT.  You may use your Account to make Purchases, Advances and Balance Transfers as 
described below.  Any use of your Account number will be considered to be a use of the Card.  Please sign the 
Card before you use it.  The Card is our property.  You must return it to us or our agent upon request. 

1. 
(“Purchases”). 

Purchases.  You may use your Card at participating merchants to purchase goods and services 

2. 

Advances.  You may use your Card or Account to obtain cash loans (“Advances”) from an 
authorized automated teller machine (“ATM”), bank or others who agree to accept your Card.  To obtain 
Advances at authorized ATMs, you must request and use a personal identification number (“PIN”).  You agree 
to keep your PIN confidential and not write it on or leave it near your Card.  ATM Cash Advance limitations 
and charges are shown on the Account Disclosures Insert and also are available upon request.  We may impose 
other or different limitations or charges for ATM Cash Advances upon prior notice to you. 

You also may obtain Advances by using Credit Checks that we may provide from time to time that you may use 
like a personal check to access your Account.  Whenever you use a Credit Check, it will be charged against 
your Account as an Advance on the date it is received by us.  You may not use your Credit Checks as payment 
on your Account or any other account you have with us.  Credit Checks will not be returned with your monthly 
statement but will be identified on it.  We will not certify a Credit Check. 

3. 

Balance Transfers.  You may use your Card or Account to transfer balances from other credit 

card accounts to this Account (“Balance Transfers”) by means (including balance transfer forms) we may make 
available from time to time. You may not transfer balances from any other account you have with us. 

PROMISE TO PAY.  When you use your Account or permit someone else to use it, you promise to pay the 
total amount of all Purchases, Advances and Balance Transfers as well as any interest or fees that may be due 

 
 
 
 
 
 
 
 
 
 
 
 
 
under the terms of this Agreement.  If your Account is a joint Account, all of you are bound by this Agreement 
and each of you jointly and individually promises to pay all amounts owed to us for transactions made by any 
joint Account holder. 

MONTHLY STATEMENT.  We will send you a monthly statement for any billing period in which there is 
activity on your Account, or as otherwise required by applicable law.  Your monthly statement will show, 
among other things, (1) the unpaid balance on your Account at the beginning of the billing period (the “New 
Balance”); (2) any Purchases, Advances, Balance Transfers, interest, fees and other debits posted to your 
Account in that billing period; (3) any payments and credits posted to your Account in that billing period; and 
(4) the minimum payment you must pay and the date your minimum payment is due (approximately 25 days 
after the billing date on your monthly statement).  We will send the monthly statement to the address specified 
on your Application or to the address you designate from time to time.  If this is a joint Account, each of you 
appoints the other as his or her agent to designate the address to which we may send your monthly statements 
and any other notices. 

PAYMENTS. 

1. 

Minimum Payment; Application of Payments.  You must pay at least the minimum payment 
shown on your monthly statement each billing period.  If the New Balance is more than $15, the minimum 
payment is $15 or 2.5% of the New Balance, whichever is greater.  The minimum payment will be rounded up 
to the nearest dollar.  If the New Balance is less than $15, the total New Balance is due.  Any amounts past due 
or in excess of your Credit Limit will also be added to the minimum payment.  Payment for more than the 
minimum amount due will be accepted as a single payment for that month.  Any amount over the minimum is 
not applicable to future amounts due.  In accordance with applicable law, we will choose the order in which 
payments are applied to your Account. 

2. 

Skip Payment Options (If You Have A Union Credit Card).  We may allow you to skip one or 
more minimum payments if one of the following options is applicable to your Account.  Interest will continue 
to accrue on any unpaid balance in any billing period in which you skip a minimum payment, but no Late 
Payment Fee will be imposed on your Account.  An election to skip payments under either option may lengthen 
the period over which your Account balance must be paid. 

a. 

Strike Skip Payment:  You may skip the minimum payment for those months when you 

are on strike if (1) the strike lasts for at least 30 days and is sanctioned by your Union and (2) your Union 
notifies us that you qualify for the Strike Skip Payment. 

b. 

“No-Pay” Option Months:  If your Union has chosen “no-pay” option months, you may 

skip the minimum payment in those months. 

3. 

Making Payments.  All payments must be in U.S. dollars.  All checks must be drawn on funds on 

deposit in the United States.  Mail your payment to the address shown on your monthly statement.  Your 
payment will be credited as of the date of receipt by us only if received by 5:00 p.m. (Central Standard Time).  
Any payments received after this time will be deemed received by us on the next business day.  Payments made 
at any location other than the address shown on your monthly statement could be subject to a delay in crediting.  
With your payment, include your payment coupon, which is a portion of your monthly statement.  If you do not 
include your payment coupon, credit to your Account may be delayed.  Delayed crediting may cause you to 
incur a Late Payment Fee or additional interest.  Payments can also be made online at www.aboc.com or by 
phone at (800) 365-6464. Do not send us cash.   

4. 

Disputed Payments.  You agree not to send us payments marked “paid in full,” “without 

recourse” or with similar language.  If you send such a payment, we may accept it without losing any of our 
rights under this Agreement.  All written communications concerning disputed amounts, including any check or 
other payment instrument that indicates that the payment constitutes “payment in full” of the amount owed or 
that is tendered with other conditions or limitations or as full satisfaction of a disputed amount, must be mailed 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
or delivered to Amalgamated Bank of Chicago, P.O. Box A3979, Chicago, Illinois 60690 Attn: Credit Card 
Disputed Payments.  

OTHER FEES.  Subject to limitations and requirements of applicable law, you agree to pay the following fees: 

a. 

If applicable, an Annual Fee, which will be billed on your first monthly statement and thereafter 

on the anniversary date of your Account until your Account is terminated or cancelled; 

b. 

A Late Payment Fee is based on your Account balance contained on your most recent statement 
if you have not made the required monthly payment by the statement due date. The late payment fee will be up 
to $15 for balances up to $99.99, $25 for balances $100 to $999.99 and $35 for balances $1,000 or more, except 
that the fee will not exceed the minimum payment due when the payment was late and will exceed $25 only if 
more than one payment is late within six billing cycles; 

c. 

d. 

A Transaction Fee for each Advance, including Balance Transfers; 

A Returned Payment Fee for any payment that is returned unpaid by your financial institution, 

not to exceed the minimum payment due when the payment was returned; 

e. 

f. 

g. 

An International Transaction Fee for each transaction made outside the U.S., including returns; 

A Copy Fee for each additional copy of a monthly statement we provide at your request; and 

A Rush Card Fee for each card you request be rush mailed to you within one business day if 

requested before 1PM CST. 

The specific amounts of these fees and any additional terms or conditions related to these fees are shown on the 
Account Disclosures Insert. 

INTEREST.  The monthly periodic rates used to calculate interest on your Account and the corresponding 
Annual Percentage Rate (“APRs”), which depend on the type of Card you have (such as Union, Standard or 
Gold), are set forth on the Account Disclosures Insert.  The monthly periodic rates and corresponding APRs for 
each billing period will vary with the market based on the prime rate published in The Wall Street Journal on 
the last business day of the preceding month (the “Prime Rate”).  Your monthly periodic rates and 
corresponding APRs may increase or decrease if the Prime Rate changes.  Changes in the Prime Rate will apply 
to your entire Account balance, will take effect on the first day of the billing period following the change and 
may result in increases or decreases in the amount of interest, minimum payments and/or number of payments.  
We may select a new interest rate index if the Prime Rate is not available. 

1. 

Rate for Purchases.  The monthly periodic rate for a billing period for your Purchase balance is 

the Prime Rate plus a Margin (set forth on the Account Disclosures Insert), divided by 12 and calculated to 
three decimal places and rounded up. 

2. 

Rate for Advances.  The monthly periodic rate for a billing period for your Advance balance is 

the Prime Rate plus a Margin (set forth on the Account Disclosures Insert), divided by 12 and calculated to 
three decimal places and rounded up. 

3. 

Rate for Balance Transfers. The monthly periodic rate for a billing period for your Balance 

Transfer balance is the Prime Rate plus a Margin (set forth on the Account Disclosures Insert), divided by 12 
and calculated to three decimal places and rounded up. 

BALANCE SUBJECT TO INTEREST.  We figure the interest on your Account by applying the applicable 
monthly periodic rate to the “average daily balance” of your Account (including current transactions).  To get 
the “average daily balance,” we take the beginning balance of your Account each day, add any new Purchases, 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Advances, Balance Transfers or fees, and subtract any payments and credits and unpaid interest.  This gives us 
the daily balance.  Then, we add up the daily balances for the billing period and divide the total by the number 
of days in the billing period.  This gives us the “average daily balance.”   

WHEN INTEREST BEGINS TO ACCRUE; GRACE PERIOD.  Except as provided below, Purchases, 
Advances and Balance Transfers begin to accrue interest from the date of the transaction (or, at our option, from 
the date they are posted to your Account) and continue to accrue interest until the charge is paid in full.  You 
will have at least a 25 day grace period (“Grace Period”) on Purchases.  This means you have at least 25 days 
from the closing date on your monthly statement to pay for new Purchases before we charge interest on them.  
However, the Grace Period will apply only in billing periods when (1) you paid the previous balance in full or 
(2) you had a previous balance of $0.00 or a credit balance.  (The previous balance is the balance identified as 
the New Balance on the monthly statement for the previous billing period.)  When the Grace Period applies, we 
will not impose interest on (1) any new Purchases if we receive the full New Balance on the monthly statement 
for that billing period by the due date shown on that statement or (2) the portion of the Purchase balance repaid 
if we receive only part of the New Balance by the due date.  There is no Grace Period within which you can 
avoid interest on Advances or Balance Transfers. 

AUTHORIZATION OF TRANSACTIONS; LIMITATION OF LIABILITY.  We are not obligated to authorize 
any transaction (including Purchases, Advances, Balance Transfers or Credit Checks) under the following 
circumstances or any other circumstances which we deem necessary: (1) your Credit Limit has been exceeded 
or would be exceeded by the transaction; (2) you have failed to pay amounts owed to us when due or have 
failed to follow any terms of this Agreement; (3) you have notified us promptly that your Card or Credit Checks 
have been lost or stolen or may be used by an unauthorized person; (4) your Account has been closed for any 
reason; or (5) your rights under this Agreement have expired or been revoked for any reason.  If, in our sole 
discretion, we elect to honor a transaction under any of the above circumstances, we may nevertheless charge 
the full amount thereof to your Account.  We are not responsible for the failure of any merchant, financial 
institution or other party to honor your Card or Advance request. 

FOREIGN TRANSACTIONS.  The credit card association will convert any transaction in foreign currency into 
U.S. dollars using an exchange rate for the applicable central processing date that is (1) selected by the 
association from the range of rates available in wholesale currency markets, which rate may vary from the rate 
the association receives, or (2) the government mandated rate. 

DEFAULT.  Subject to limitations required by applicable law, you will be in default if (1) you fail to pay the 
full minimum payment on time; (2) you file for bankruptcy; (3) you break one of your promises under this 
Agreement; (4) you have a Union Credit Card and the Cardmember is no longer a member in good standing of 
the Cardmember's Union; (5) you provide us with any false, misleading, incomplete or incorrect information or 
signature; or (6) you die.  Upon your default, we may, subject to the limitations of applicable law and without 
notice: (1) reduce your Credit Limit; (2) close your Account and demand immediate payment of the entire 
outstanding balance and any other fees or charges that may be imposed under the terms of this Agreement; (3) 
bring an action to collect all amounts owed; and/or (4) take any action allowed by law. 

COLLECTION COSTS.  To the extent permitted by applicable law, you agree to pay all costs and 
disbursements, including reasonable attorney's fees, incurred by us in collecting or enforcing your indebtedness, 
whether or not a court proceeding is actually commenced.  We will bill these costs to your Account as 
Purchases. 

OTHERS USING YOUR ACCOUNT.  You promise to pay for all transactions made by any other person you 
authorize to use your Account, whether or not that person exceeded your permission and whether or not you 
notified us that the person was using your Account.  If someone else is authorized to use your Card or Account 
and you want to end that person's privileges, you must let us know in writing.  If he or she has a Card, you must 
return that Card cut in half with your written notice. 

 
 
 
 
 
 
CLOSING YOUR ACCOUNT. You may close your Account at any time by notifying us in writing and 
returning your Card(s) cut in half. You remain responsible to pay the amount you owe us according to the 
terms of this Agreement. We may close or suspend your Account privileges at any time and without prior 
notice, unless required by applicable law, for any reason we deem appropriate, including if you are in default 
under this Agreement. We may also reissue a different Card at any time. Upon request, you must destroy the 
Card by cutting it in half and surrendering it to us or our agent. In the event of the death of an existing 
Cardmember it is our policy to remove the Cardmember from the Account and request that the decedent’s 
Card be destroyed. If the Account is jointly held we will evaluate various factors relating to the remaining 
Cardmember to determine if the Credit Limit should be adjusted as described in the section of this Agreement 
entitled “Credit Limit” and “Default”. 

ADDRESSES; CHANGE OF ADDRESS.  Your full name, address and any signature on your Application are 
considered part of this Agreement.  For purposes of this Agreement, you agree and represent that you live at 
the address shown on your Application or from time to time designated by you for the receipt of monthly 
statements.  You will notify us of any address change in writing before the change becomes effective. 

DELAY IN ENFORCEMENT; NO WAIVER BY US.  We can delay enforcing or waive any of our rights 
under this Agreement without losing them.  If we waive a right, we do not thereby waive the same right in other 
situations. 

ASSIGNMENT.  We can assign your Account and any of our rights under this Agreement without consent or 
notice to you.  Your Account, Card, this Agreement and your obligations hereunder are not transferable or 
assignable by you. 

GOVERNING LAW.  This Agreement and your Account will be governed by federal law applicable to a FDIC 
insured institution and, to the extent not preempted by federal law, the laws of Illinois, without regard to its 
conflicts of law provisions.  This Agreement is entered into between you and us in Illinois and we extend credit 
to you from Illinois, whether or not you live in Illinois and whether or not you use your Card in Illinois.  We 
will make the decision whether to open an account for you and issue a Card to you from our offices in Illinois.  
All payments under this Agreement are received by us in Illinois. 

CREDIT REPORTS AND ACCOUNT INFORMATION.  You give us permission to request information from 
you and to make whatever inquiries we consider necessary and appropriate (including requesting a consumer 
report from consumer reporting agencies) in considering your Application and for any lawful purpose, including 
any updates, renewals or extensions of credit, or reviewing or collecting your Account.  Upon your request to us 
at Amalgamated Bank of Chicago, P.O. Box A3979, Chicago, Illinois 60690, we will inform you of the name 
and address of each consumer reporting agency from which we obtained a consumer report, if any, relating to 
you.  We may also obtain information about your credit worthiness and employment from others and may 
furnish information concerning your Account as well as information concerning you to consumer reporting 
agencies and to other proper parties. 

NOTICE OF INACCURATE INFORMATION.  If you believe that we have information about you that is 
inaccurate or that we have reported or may report to a consumer reporting agency information about you that is 
inaccurate, please notify us of the specific information that you believe is inaccurate by writing to us at 
Amalgamated Bank of Chicago, P.O. Box A3979, Chicago, Illinois 60690. 

TELEPHONE MONITORING AND CONSENT TO COMMUNICATION.  From time to time, we may 
monitor and/or record telephone calls regarding your Account with us to assure the quality of our service, and 
you agree to any such monitoring or recording.  You also agree that we may communicate with you for any 
lawful purpose, including collections, using (1) any electronic mail address or cell phone number that you 
provide to us at the time of application or in the future and/or (2) an automated telephone dialing system and/or 
artificial or prerecorded voice message, even if you are charged for the call under your phone plan, unless you 
call (800) 365-6464 to limit this consent.  No such communication will be deemed unsolicited. 

 
 
 
 
 
 
LOST OR STOLEN CARDS OR CREDIT CHECKS.  If your Card or Credit Checks are lost or stolen or if you 
think someone may be using them without your permission, you must notify us promptly by calling the 
telephone number on your monthly statement. You may also contact us on the Web: bankcard@aboc.com. If the 
Card is returned to you after you have notified us, do not use the Card.  Cut it in half and return it to us.  You 
will not be liable for any unauthorized use that occurs after you notify us.  You may, however, be liable for 
unauthorized use that occurs before your notice to us. You could have up to $500 liability if the loss is not 
reported within 2 days of discovery, or unlimited liability if the unauthorized transaction is not reported within 
60 days of when the unauthorized use was reported on your periodic statement. 

ENTIRE AGREEMENT; SEVERABILITY; INTERPRETATION.  The Cardmember Documents constitute the 
entire agreement between you and us relating to your Account and supersede any other prior or 
contemporaneous agreement between you and us relating to your Account.  Except as otherwise expressly 
provided, if there is any conflict among these documents, the terms of this Agreement control.  If any part of 
this Agreement is unenforceable this will not make any other part unenforceable.  The headings used in this 
Agreement are for the convenience of reference only and are not intended to define or describe the scope or 
intent of any portion of the Agreement. 

MARYLAND RESIDENTS:  You have the right under Section 12-510 of the Commercial Law Code to receive 
an answer to a written inquiry concerning the status of your Account.  Finance charges will be imposed in 
amounts or at rates not in excess of those permitted by law. 

NEW JERSEY RESIDENTS:  Because certain provisions of this Agreement are subject to applicable laws, they 
may be void, unenforceable or inapplicable in some jurisdictions.  None of these provisions, however, is void, 
unenforceable or inapplicable in New Jersey. 

NOTICE TO THE BUYER - 1. DO NOT SIGN THIS CREDIT AGREEMENT BEFORE YOU READ IT OR 
IF IT CONTAINS BLANK SPACES.  2. YOU ARE ENTITLED TO A COMPLETELY FILLED IN COPY 
OF THIS CREDIT AGREEMENT.  3. YOU MAY AT ANY TIME PAY MORE THAN THE MINIMUM 
PAYMENT, OR YOUR ENTIRE BALANCE IN FULL WITHOUT INCURRING ANY ADDITIONAL 
CHARGE FOR PREPAYMENT. 

RETAIL INSTALMENT CREDIT AGREEMENT 

CARDMEMBER:  Your signature (including any electronic or digital signature) on any Application or on any 
sales slip or other evidence of indebtedness on your Account represents your signature on this Agreement.  
Your address on your Application represents your address on this Agreement. 

BANK: 
Amalgamated Bank of Chicago 
P.O. Box A3979 
Chicago, Illinois 60690 
Date: April 1, 2015 

Your Billing Rights: Keep This Document For Future Use 

This notice tells you about your rights and our responsibilities under the Fair Credit Billing Act. 

What to Do If You Find a Mistake on Your Statement 

If you think there is an error on your statement, write to us at Amalgamated Bank of Chicago, P.O. Box 

A3979, Chicago, Illinois 60690. 

In your letter, give us the following information: 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
* 

* 

Account information: Your name and account number. 

Dollar amount: The dollar amount of the suspected error. 

Description of problem: If you think there is an error on your bill, describe what you believe is wrong 

* 
and why you believe it is a mistake. 

You must contact us: 

* 

Within 60 days after the error appeared on your statement. 

At least 3 business days before an automated payment is scheduled, if you want to stop payment on the 

* 
amount you think is wrong. 

You must notify us of any potential errors in writing. You may call us, but if you do we are not required 

to investigate any potential errors and you may have to pay the amount in question. 

What Will Happen After We Receive Your Letter 

When we receive your letter, we must do two things: 

Within 30 days of receiving your letter, we must tell you that we received your letter. We will also tell 

1. 
you if we have already corrected the error.  

Within 90 days of receiving your letter, we must either correct the error or explain to you why we 

2. 
believe the bill is correct. 

While we investigate whether or not there has been an error: 

* 

We cannot try to collect any amount in question, or report you as delinquent on that amount.  

The charge in question may remain on your statement, and we may continue to charge you interest on 

* 
that amount.  

While you do not have to pay the amount in question, you are responsible for the remainder of your 

* 
balance. 

* 

We can apply any unpaid amount against your credit limit. 

After we finish our investigation, one of two things will happen: 

If we made a mistake: You will not have to pay the amount in question or any interest or other fees 

* 
related to that amount.  

If we do not believe there was a mistake: You will have to pay the amount in question, along with 

* 
applicable interest and fees. We will send you a statement of the amount that you owe and the date payment is 
due. We may then report you as delinquent if you do not pay the amount we think you owe. 

If you receive our explanation but still believe your bill is wrong, you must write to us within 10 days 
telling us that you still refuse to pay. If you do so, we cannot report you as delinquent without also reporting 
that you are questioning your bill. We must tell you the name of anyone to whom we reported you as 
delinquent, and we must let those organizations know when the matter has been settled between us. 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
If we do not follow all of the rules above, you do not have to pay the amount you question, even if your 

bill is correct. 

Your Rights If You Are Dissatisfied With Your Credit Card Purchases 

If you are dissatisfied with the goods or services that you have purchased with your credit card, and you 

have tried in good faith to correct the problem with the merchant, you may have the right not to pay the 
remaining amount due on the purchase.  

To use this right, all of the following must be true: 

The purchase must have made in your home state or within 100 miles of your current mailing address, 
1. 
and the purchase price must have been more than $50. (Note: Neither of these are necessary if your purchase 
was based on an advertisement we mailed to you, or if we own the company that sold you the goods or 
services.) 

You must have used your credit card for the purchase. Purchases made with cash advances from an 

2. 
ATM or with a check that accesses your credit card account do not qualify. 

3. 

You must not yet have fully paid for the purchase. 

If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing 

at:  

Amalgamated Bank of Chicago 
P.O. Box A3979 
Chicago, Illinois 60690 

While we investigate, the same rules apply to the disputed amount as discussed above. After we finish 
our investigation, we will tell you our decision. At that point, if we think you owe an amount and you do not 
pay, we may report you as delinquent. 

Amalgamated Bank Credit Card Account Disclosures 
These Account Disclosures are part of your Amalgamated Bank Credit Card Cardmember Agreement and contain important information about current rates and fees applicable to your Account. 
Please keep this copy for your records.  See the Agreement for additional terms and conditions governing your Account and for definitions of terms used herein.  Disclosures are accurate as of July 2017. 

Interest Rates and Interest Charges 

Annual Percentage Rate 
(APR) for Purchases 

APR for Balance Transfers 

10.25% 

APR for Cash Advances 

15.25% 

Union, Gold and Gold Secured  Gold Plus and Union Plus 

10.25% 

8.25% 

Standard 
11.75% 

Standard Plus 
8.50% 

Standard Secured 
13.75% 

These APRs will vary with the market based on the Prime Rate. 
8.50% 

11.75% 

8.25% 

These APRs will vary with the market based on the Prime Rate. 
13.50% 

16.75% 

13.25% 

13.75% 

18.75% 

Paying Interest 

For Credit Card Tips from 
the Consumer Financial 
Protection Bureau 

These APRs 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.  We will begin charging interest on cash advances and balance transfers on the 
transaction date. 
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 
Annual Fee 

Balance Transfer 
International Transaction 

Transaction Fees 
  Cash Advance 
 
 
Penalty Fees 
Late Payment 
 
  Returned Payment 

None for Union, Gold or Standard; 
$35 for Union Plus; 
$37 for Standard Plus; 
$45 for Gold Plus; or 
$50 for Gold Secured or Standard Secured 

3% of each advance (minimum $5) 
3% of each balance transfer (minimum $5) 

3% of transaction amount 

Up to $35  
Up to $25 

How We Will Calculate Your Balance:  We use a method called “average daily balance (including new transactions).”  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. 
Statement Copy Fee: $5 (none in CO, DC, GA, IN, IA, KS, MD, NC, PA, SC, WV and WY) 
Replacement Card Fee: $10 (none in CO, DC, GA, IN, IA, KS, LA, MD, NC, PA, SC, WV and WY; in NY, none for first or second replacement) 

ATM Cash Advance Disclosures 
Maximum Advance (per day): 
Maximum Transactions (per day): 
Maximum Advances (total): 

$300 
2 
Credit Limit 

Interest Rates 

Margin 
Current Monthly Periodic Rate 
Current Corresponding APR 

Margin 
Current Monthly Periodic Rate 
Current Corresponding APR 

Margin 
Current Monthly Periodic Rate 
Current Corresponding APR 

Union, Gold and Gold Secured 

Gold Plus and Union Plus 

Standard 

Standard Plus 

Standard Secured 

6% 
0.854% 
10.25% 

6% 
0.854% 
10.25% 

11% 
1.271% 
15.25% 

Purchases 

4% 
0.688% 
8.25% 

Transfers 

4% 
0.688% 
8.25% 

Advances 

9% 
1.104% 
13.25% 

7.5% 
0.979% 
11.75% 

7.5% 
0.979% 
11.75% 

12.50% 
1.396% 
16.75% 

4.25% 
0.708% 
8.50% 

4.25% 
0.708% 
8.50% 

9.25% 
1.125% 
13.50% 

9.5% 
1.146% 
13.75% 

9.5% 
1.146% 
13.75% 

14.50% 
1.563% 
18.75%