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Credit Card Rates

Effective July 1, 2012


Interest Rates and Interest Charges
Annual Percentage Rate (APR) for Purchases 5.00% to 17.75% when you open your account, based on your creditworthiness
APR for Balance Transfers 5.00% to 17.75% when you open your account, based on your creditworthiness
APR for Cash Advance 5.00% to 17.75% when you open your account, based on your creditworthiness
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 interest on purchases if you pay your entire balance by the due date each month.
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 Federal Reserve Board at http://www.federalreserve.gov/creditcard



Fees
Annual Fee None
Transaction Fees:
Balance Transfe
Cash Advance
Foreign Transaction

None
None
Non-Conversion .08% Conversion 1.00%
Penalty Fees:
Late Payment
Over-the-Credit Limit
Returned Payment

Up to $25.00
$0.00
$27.00
Other Fees:
Application Fee
Visa Change Request
Payment Protection

$25.00
$10.00
Ask Credit Union for More Details


NCUA Insured Your Savings Federally insured to at least $250,000 and backed
by the full faith and credit of the United States Government.
National Credit Union Administration, a U.S. Govt. Agency.
EHL
We do business in accordance with the Federal Fair
Housing Law and the Equal Credit Opportunity Act.