| CREDIT CARDS |
| Annual Percentage Rate |
7.50% - 16.50% Annual Percentage Rate |
| Grace Period |
If you have paid your account in full by the due date shown on the previous monthly statement, or there is no previous balance, you have not less than 25 days to repay your account balance before a FINANCE CHARGE on new purchases will be imposed. Otherwise there is no grace period and new purchases will incur a FINANCE CHARGE from the date they are posted to the account. Cash advances (including balance transfers) incur a FINANCE CHARGE from the date they are posted to the account. |
| Finance Charge |
For MasterCard and Visa, you will pay a FINANCE CHARGE for all advances made against your account at the periodic rate of .020547% - .045205% per day, which has a corresponding ANNUAL PERCENTAGE RATE of 7.50% - 16.50%. For Gold MasterCard, Platinum, and Visa Gold, you will pay a FINANCE CHARGE for all advances made against your account at the periodic rate of .020547% - .045205% per day, which has a corresponding ANNUAL PERCENTAGE RATE of 7.50% - 16.50%. |
| Annual Fee |
There is no annual fee. |
| Return Check Fee |
If a check or share draft used to make a payment on your account is returned unpaid, you may be charged a fee of $10 for each item returned. |
| ATM Fee |
If you obtain a cash advance by using an automated teller machine, you may be charged any amounts imposed upon the Credit Union by the owner or operator of the machine. Any charge made under this paragraph will be added to the balance of your account and treated as a purchase. |
| Late Payment Fee |
If you are 10 or more days late in making a payment, a late charge of $10 may be added to your account. |
| Collection Cost Fee |
You agree to pay all reasonable costs of collection, including court costs and attorney’s fees imposed and any costs incurred in the recovery of the card. |
| Line Of Credit Loans |
See Line Of Credit Payment Schedule |
| Open End Loans |
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