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MemberPerks Visa Rates
Effective Date: 04/01/2014

Interest Rates and Charges
Annual Percentage Rate (APR) for Purchases
12.99% to 22.99%
When you open your account, based on your creditworthiness. This APR will vary with the market basones on the 26 Week T-Bill.
APR for Balance Transfers
12.99% to 22.99%
When you open your account, based on your creditworthiness. This APR will vary with the market basones on the 26 Week T-Bill.
APR for Cash Advances
12.99% to 22.99%
When you open your account, based on your creditworthiness. This APR will vary with the market basones on the 26 Week T-Bill.
Penalty APR and When it Applies None
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 Federal Reserve Board
To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore.
Fees

Annual Fee

  • Annual Fee

 

  • None

Transaction Fees

  • Balance Transfer Fee
  • Cash Advance Fee
  • Foreign Transaction Fee

 

  • $5.00 or 2.50% of the amount of each transfer, whichever is greater

  • None
  • 2.00% of each transaction in U.S. dollars

Penalty Fees

  • Late Payment Fee
  • Returned Payment Fee

 

  • $25.00
  • $25.00

How We Will Calculate Your Balance. We use a method called “average daily balance (excluding new purchases).”

Effective Date.

The information about the costs of the card described in this application is accurate as of April 1, 2014 This information may have changed after that date. To find out what may have changed, contact the Credit Union.

OTHER DISCLOSURES

Late Payment Fee $25.00 or the amount of the required minimum payment, whichever is less, if you are one (1) or more days late in making a payment.
Returned Payment Fee $25.00 or the amount of the required minimum payment, whichever is less.

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