PENNSYLVANIA STATE
CREDIT CARD
PSECU
EMPLOYEES CREDIT UNION
ACCOUNT
P.O. Box 67012
Harrisburg, PA 17106
800.237.7328
OPENING
VISA
psecu.com
DISCLOSURE
FOUNDER'S CARD
ALUMNI REWARDS CARD
This Disclosure is incorporated into and becomes part of Your LOANLINER® Consumer Credit Card Agreement &
Disclosure. Please keep this attached to Your LOANLINER Consumer Credit Card Agreement & Disclosure.
Interest Rates and Interest Charges
Annual Percentage Rate (APR) for
Purchases
This APR will vary with the market based on the Prime Rate.
APR for Balance Transfers
Introductory APR until December 31, 2021.
After that, Your APR will be
This APR will vary with the market based on the Prime Rate.
APR for Cash Advances
This APR will vary with the market based on the Prime Rate.
Paying Interest
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. We will begin charging interest on cash advances
and balance transfers on the transaction date.
Minimum Interest Charge
None
For Credit Card Tips from the
To learn more about factors to consider when applying for or using a
Consumer Financial Protection Bureau
credit card, visit the website of the Consumer Financial Protection
Bureau at http://www.consumerfinance.gov/learnmore.
Fees
Set-up and Maintenance Fees
- Annual Fee
None
- Account Set-up Fee
None
- Program Fee
None
- Participation Fee
None
- Additional Card Fee
None
- Application Fee
None
Transaction Fees
- Balance Transfer Fee
None
- Cash Advance Fee
None
- Foreign Transaction Fee
None
- Transaction Fee for Purchases
None
Penalty Fees
- Late Payment Fee
Up to $27.00
- Over-the-Credit Limit Fee
None
- Returned Payment Fee
None
How We Will Calculate Your Balance:
We use a method called "average daily balance (including new purchases)." See Your Account Agreement for more details.
Promotional Period for Introductory APR:
The Introductory APR for balance transfers will apply to transactions posted to Your Account from
until
Any existing balances on Pennsylvania State Employees Credit Union loan or credit card accounts are not
eligible for the Introductory APR for balance transfers.
Billing Rights:
Information on Your rights to dispute transactions and how to exercise those rights is provided in Your Account Agreement.
LOANLINER.
SEE NEXT PAGE for more important information about Your Account.
© CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved
©PSECU Form #3896 0320
03720921-MXC20-C-2-040219 (MXC201-E)
Military Lending Act Disclosures:
Federal law provides important protections to members of the Armed Forces and their dependents relating to extensions
of consumer credit. In general, the cost of consumer credit to a member of the Armed Forces and his or her dependent
may not exceed an annual percentage rate of 36 percent. This rate must include, as applicable to the credit transaction or
account: The costs associated with credit insurance premiums; fees for ancillary products sold in connection with the
credit transaction; any application fee charged (other than certain application fees for specified credit transactions or
accounts); and any participation fee charged (other than certain participation fees for a credit card account).
Please call us at 800.237.7328 extension 3846 to receive oral disclosures of the Military Lending Act disclosure above
and a description of the payment obligation.
Other Fees & Disclosures:
Late Payment Fee:
$27.00 or the amount of the required minimum payment, whichever is less, if You are 1 or more days late in making a
payment. If Your Account is subject to a Late Payment Fee, the fee will be charged to Your Account when You do not
make the required minimum payment by or within the number of days of the statement Payment Due Date set forth on this
Disclosure.
PIN Replacement Fee:
None.
Rush Fee:
$40.00. If Your Account is subject to a Rush Fee, except as limited by applicable law, a fee may be charged to Your
Account for each rush Card that You request, providing that delivery of the Card is also available by standard mail service,
without paying a fee for delivery.
Unreturned Card Fee:
None.
Collection Costs:
You agree to pay all costs of collecting the amount You owe under this Agreement, including court costs and reasonable
attorney's fees.
Periodic Rates:
The Purchase APR is
which is a monthly periodic rate of
The Introductory Balance Transfer APR is
which is a monthly periodic rate of
The Balance Transfer APR is
which is a monthly periodic rate of
The Cash Advance APR is
which is a monthly periodic rate of
Variable Rate:
The ANNUAL PERCENTAGE RATE may increase in the future. The ANNUAL PERCENTAGE RATE is subject to change
on the first day of the billing cycle monthly to reflect any change in the Index and will be determined by the Prime Rate on
the first day of each calendar month, to which We add a margin. The ANNUAL PERCENTAGE RATE will never be
greater than 18.00%. Any increase in the ANNUAL PERCENTAGE RATE will result in an increase in the amount of the
interest You will pay, may increase Your minimum payment, and may increase the number of payments to pay off Your
balance. If the Index is no longer available, the Credit Union will choose a new index which is based upon comparable
information.
Margin:
Purchases will be charged at
above the Index.
Balance Transfers will be charged at
above the Index.
Cash Advances will be charged at
above the Index.
LOANLINER.
© CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved
03720921-MXC20-C-2-040219 (MXC201-E)