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Credit Card Interest Rates and Fees

Your Credit Union offers low rate credit card products with competitive terms. Your actual rate and term will be based on your personal credit

qualifications.

Interest Rates and Interest Charges

Annual Percentage Rate (APR)
for Purchases

8.9% to 16.9% when you open your account, based on your
creditworthiness.

APR for Balance Transfers

10.9% to 18.0% when you open your account, based on your
creditworthiness.

APR for Cash Advances

10.9% to 18.0% when you open your account, based on your
creditworthiness.

Penalty APR and When it
Applies

Not Applicable

How to Avoid Paying Interest
on Purchases

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.

Minimum Interest Charge

Not Applicable

For Credit Card Tips from the
Federal Reserve Board

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/
(http://www.consumerfinance.gov/learnmore/)

Annual Fee 

None

Fees

Transaction Fees 
  Balance Transfer 
  Cash Advance
  Foreign Transaction

Penalty Fees
  Late Payment
  Over­the­Credit Limit
  Returned payment

None
None
1% of each transaction in US Dollars

Up to $25
None
Up to $25

Other Fees 
  Card Replacement
  Required Account Protector Plan

$5
None

Credit Card Agreement (/~/media/files/forms­and­applications/scu platinum credit card agreement ­ 033016 ­ cfpb

pdf.ashx)

How We Will Calculate Your Balance: We use a method called "average daily balancing (including new
purchases)". See your account agreement for more details.

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights will be provided
in your account agreement.

Information is accurate as of April, 2016.

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*APR = Annual Percentage Rate effective 07/27/2016. Subject to term and credit qualifications. Annual percentage rates may vary. Annual percentage rates may change during loan terms on variable rate
products. Membership and/or participation fees may apply. Inquire about specific fees for a product through your credit union. 

Suncoast Credit UnionP.O. Box 11904 Tampa, FL 33680Questions? Call Members Contact Center800­999­5887Equal Housing Opportunity, Your Savings Federally Insured to at least $250,000 and backed by the full faith and credit of the U.S. Government. Copyright 1999 – 2016, Suncoast Credit Union. Privacy Policy (/privacy­policy)