| Description | Classic & Share Secured Rates | Platinum with CU Rewards Rates | Platinum Choice Rates |
|---|---|---|---|
| Annual Percentage Rate(APR) for Purchases | Classic & Share Secured 12.50% | Platinum with CU Rewards 11.50% | Platinum*(1) Choice 13.50% to 17.50% |
| APR for Balance Transfers | Classic & Share Secured 12.50% | Platinum with CU Rewards 11.50% | Platinum*(1) Choice 13.50% to 17.50% |
| APR for Cash Advances | Classic &Share Secured 12.50% | Platinum with CU Rewards 11.50% | Platinum*(1) Choice 13.50% to 17.50% |
Penalty APR and when it applies - 17.50%
This APR may be applied to your account when
payment becomes 61 days past due.
How long will the penalty APR Apply? If your APR is increased for this reason, the Penalty APR will apply until you make six consecutive minimum payments when due.
How to Avoid Paying Interest on Purchases - Your due date is at least 25 days after the close of the billing cycle.
Minimum Interest Charge - None
How We Will Calculate Your Balance - We use a method called "average daily balance (including new purchase)."
Credit Card tips from the Federal Reserve Board
*The Platinum Choice APR may vary with the market based on the Prime Rate
(1) Rate differential on VISA Platinum Choice based on credit score.
Fees
| Description | Fee |
|---|---|
| Annual Fee | None |
| Balance Transfer | None |
| Cash Advance | 1% of the amount of each cash advance, $5 minimum |
| International Service Fee | None |
| Late Payment | $15.00 after 5 days late |
| Returned Payment | $20.00 |
| Over-the-Credit-Limit | None, you may not exceed your credit limit. |
| Card Replacement | $5.00 |
| Overnight Card/PIN replacement | $25.00 |
| Account Research | $15.00 per hour |
ECSFCU!
