|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 8.25% to 15.25%|
|APR for Balance Transfers||Classic & Share Secured 12.50%||Platinum with CU Rewards 11.50%||Platinum*(1) Choice 8.25% to 15.25%|
|APR for Cash Advances||Classic &Share Secured 12.50%||Platinum with CU Rewards 11.50%||Platinum*(1) Choice 8.25% to 15.25%|
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)."
*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.
|Cash Advance||1% of the amount of each cash advance|
|Late Payment||$15.00 after 5 days late|
|Over-the-Credit-Limit||None, you may not exceed your credit limit.|
|Overnight Card/PIN replacement||$15.00|
|Account Research||$15.00 per hour|