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Loan Products
Credit Card Rates

Credit Card Rates :: Fees

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Credit Card Rates

Current as of October 2016
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 Transfer
Cash Advance
Foreign Transaction
None
None
Non-Conversion .08% Conversion 2.00%
Penalty Fees
Late Payment
Over-the-Credit Limit
Returned Payment
Up to $25.00
$0.00
$30.00
Other Fees
Application Fee
Visa Change Request
Replacement Card Fee
Stop Payment Fee
Payment Protection
$35.00
$10.00
$15.00
$40.00
Ask Credit Union for More Details


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For general questions, information concerning our products and services, or problems with the website or home banking:

Please contact us at:
4230 Harding Rd., Suite 103, Nashville TN 37205
Phone: 833-292-7828, Fax: 615-463-2741 :: Email Us*
*Do not include or attach any document with any of your sensitive information in the email, such as complete social security number, birthdate, complete account number, etc.
More Contact Information

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©2018 St. Thomas Credit Union. All Rights Reserved.



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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. Government Agency.
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We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act.
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