Centra Credit Union Credit Card Disclosures
Interest Rates and Interest Charges
Annual Percentage Rate (APR) for Purchases, Cash 
Advances and Balance Transfers

The YOU Card - Visa® Signature _____________________

Visa® Platinum __________________________________

0.00% Introductory APR for the first 6 months.
8.25% to 18.00% APR after first 6 months.

3.70% Introductory APR for the first 6 months.
8.99% to 18.00% APR after first 6 months.

Visa® Platinum Secured ___________________________

8.99% to 18.00% APR

How to avoid paying interest on purchases

APRs will vary with the market based on the Prime Rate 
and credit worthiness. 

Your due date is at least 25 days after the close of each 
billing cycle.  We do 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 
on the transaction date.

Minimum Interest Charge

None

For Credit Card Tips from the Consumer Financial 
Protection Bureau

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

Maintenance and Set-up Fees
Annual Fee
Additional Card Fee

Transaction Fees
Balance Transfer Fee

Cash Advance Fee

Foreign Transaction Fee

Penalty Fees
Late Payment Fee1
Returned Payment Fee

Other Fees
Rush Fee
Statement Copy Fee

None
None

$5 or 3% of the amount of each balance transfer, 
whichever is greater.
$5 or 3% of the amount of each cash advance, 
whichever is greater.
1% of each transaction in U.S. dollars

Up to $18
None

$20
$2 per statement

How We Will Calculate Your Balance: We use a method called “average daily balance (including current 
transactions)”. See your account agreement under Finance Charge for more details.
The minimum monthly payment is 2% of your total new balance or the overlimit amount, whichever is greater, 
but not less than $20 plus the amount of any unpaid prior payments due. Payments of $10,000 or greater may not 
be a part of your available credit for three (3) business days. Your payment is due on the 21st of the month.
Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in 
your agreement.
Variable Rate: 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 15th day of the month prior to 
the last calendar date of the current billing cycle of each year as published in The Wall Street Journal “Money Rates” 
table 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 take the form of additional payments shown as Total Minimum Payments 
on the statement. If the Index is no longer available, the Credit Union will choose a new index which is based upon 
comparable information. 
1. Late Payment Fee will be assessed 4 days after due date on Visa Platinum and Visa Platinum Secured. Late 
Payment Fee will be assessed 15 days after due date on The YOU Card.