Loan Products
Credit Card Rates

Credit Card Rates :: Fees

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