Credit Card Disclosures
| Interest Rates and Interest Charges | |
| Annual Percentage Rate (APR) for Purchases | 10.75% when you open your account, based on your Creditworthiness. |
| APR For Balance Transfers | 10.75% |
| APR for Cash Advances | 10.75% |
| 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 any interest on purchases if you pay your entire balance by the due date each month |
| For Credit Card Tips from the Consumer Financial Protection Bureau | Visit Consumer Financial Protection Bureau’s website. http://www.consumerfinance.gov/learnmore |
| Fees | |
| Annual Fee | $15.00, waived first year |
| Penalty Fees | Late Payment:None Over the Limit: None Returned Payment: $25.00 |
| Other Fees | Card Replacement:$10.00 |
The finance charge is calculated by multiplying the average daily balances by a monthly periodic rate of 0.8858% which is an ANNUAL PERCENTAGE RATE of 10.75%. To get each average daily balance the daily balances for purchases and cash advances for the billing cycle are accrued and the totals are divided by the number of days in the cycle.
*Alimony, child support, or separate maintenance income need not be revealed if you don’t wish to have it considered for repaying this obligation
*Terms accurate as of 11/3/14
*All rates are subject to change without notice. Please contact a member service representative at (508) 674-3861