Credit Cards
Interest Rates and Charges
APR for Purchases
APR for Cash Advances
8.99%
8.99%
14.99%
14.99%
APR for Balance Transfers
8.99%
14.99%
Visa Platinum
Visa Classic
Fees
Set-up & Maintenance Fees
$30.00
$30.00
Transaction Fees
Cash Advance Fee
Foreign Transaction Fee
$3.00
$3.00
1.00% of each multiple currency transaction in USD
.80% of each single currency transaction in USD
Periodic Rates
Penalty Fees
Late Payment Fee
Returned Payment Fee
$30.00
$35.00
$30.00
$35.00
Purchase APR
8.99%
14.99%
How to Avoid Paying Interest: Your due date is at least 25 days after the close of each billing cycle. We fdo not charge you interest on purchases, cahs advances, or balance transfers if you pay your entire balance by the due date each month.
How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).” See your account Agreement for more details.
Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account Agreement.
Rush Fee
Emergency Card Replacement
Pay by Phone Fee
Inactivity Fee
Disclosures
$25.00
$25.00
$10.00
$30.00
Waived if purchases equal more than $200.00 of four (4) transactions are made annually.
Collection Costs for Credit Unions Lending to Borrowers in Ohio: You promise to pay all costs of collecting the amount you owe under this Agreement to the extent permitted by state law.
~ To learn more about factors to consider when applying for or using a credit card, visit the website of the Federal Reserve Board.