Minimum Interest Charge None. For Credit-Card Tips from the Consumer Financial Protection Bureau 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 xxxx://xxx.xxxxxxxxxxxxxxx.xxx/learnmore. Fees Annual Fee None. Transaction Fees Balance Transfer Cash Advance Foreign Transaction None. None. None. Penalty Fees Late Payment Over-the-Credit Limit Returned Payment Up to $28. None. Up to $28. How We Will Calculate Your Balance: We will use a method called “Average Daily Balance (including new transactions).” *Variable APR: The APRs are based on an index plus a margin. The margins, APRs and periodic rates will be set forth in your Account Opening Disclosure. The index is the U.S. Prime Rate published in the Wall Street Journal. We will use the most recent index available as of the first day of the calendar month in which the statement cycle begins. For example, the APR that will be applied during your statement cycle that begins in July will be calculated using the index available on July 1. We will not charge an APR greater than the maximum that we are permitted to charge by law (currently 18.0%).
Minimum Interest Charge None. For Credit Card Tips from the Consumer Financial Protection Bureau 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 https//xxx.xxxxxxxxxxxxxxx.xxx/xxxxxxxxx Fees Annual Fee None. Foreign Transaction Fees 1% of each transaction in U.S. Dollars Penalty Fees 1. Late Payment Fee 2. Return Payment Fee up to $20.00 up to $10.00 Other Fees 1. Statement Copy Fee 2. Card Replacement Fee 3. Rush Fee $5.00 $10.00 $50.00 How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).” See your account agreement for more details.
Minimum Interest Charge None. For Credit Card Tips from the Consumer Financial Protection Bureau 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 xxxx://xxx.xxxxxxxxxxxxxxx.xxx/learnmore FEES: Fees to Open or Maintain your Account • Annual Fee: None • Application Fee: None Transaction Fees • Balance Transfer: None • Cash Advance: None • Foreign Transaction: 1% of each transaction in U.S. dollars Penalty Fees • Late Payment: Up to $27.00 the first time your payment is late 10 days or more. If you make a subsequent late payment within the following 6 billing cycles, you will be charged up to $29.00 for each late payment. • Over-the-Credit Limit: None • Returned Payment: Up to $27.00 if your payment is returned for any reason 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. SEE NEXT PAGE for more important information about this account OTHER IMPORTANT DISCLOSURES: Other Fees: In addition to the fees disclosed above, the following fees may be imposed: Document/Statement Copy Fee: Pay-by-Phone Fee: $2.00/statement for prior calendar year. Up to $10.00 Dormant/Inactive Accounts: We may close your account if you do not activate and use your card within 90 days of account opening or if your account has been inactive for 6 months. THE GRANTING OF THIS SECURITY INTEREST IS A CONDITION FOR THE ISSUANCE OF CREDIT UNDER THIS AGREEMENT. YOU SPECIFICALLY GRANT US A CONSENSUAL SECURITY INTEREST IN ALL INDIVIDUAL AND JOINT ACCOUNTS YOU HAVE WITH US NOW AND IN THE FUTURE TO SECURE REPAYMENT OF CREDIT EXTENDED UNDER THIS AGREEMENT. YOU ALSO AGREE THAT WE HAVE SIMILAR STATUTORY LIEN RIGHTS UNDER STATE AND/OR FEDERAL LAW. IF YOU ARE IN DEFAULT, WE CAN APPLY YOUR SHARES TO THE AMOUNT YOU OWE. Shares and deposits in an Individual Retirement Account or any other account that would lose special tax treatment under state or federal law if given are not subject to this security interest. If you have other loans with us, collateral securing such loans will also secure your obligations under this Agreement, unless that other collateral is your principal residence or non-purchase money household goods.
Minimum Interest Charge None. For Credit Card Tips from the Consumer To learn more about factors to consider when applying for or using a credit card, visit the website Financial Protection Bureau of the Consumer Financial Protection Bureau at xxxx://xxx.xxxxxxxxxxxxxxx.xxx/learnmore Fees Annual Fee None Minimum Finance Charge: • Balance Transfer • Cash Advance • Foreign Currency Transaction None None Conversion Fee: 2%. Conveyance in US Funds Fee (no conversion necessary): 0.80% Penalty Fees: • Late Payment • Overlimit Up to $35.00 per occurrence None How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)". * The Prime Rate used to determine your APR is the Prime Rate as published in the Wall Street Journal at the end of the month immediately preceding the start of each billing cycle. The above information is current as of January 1st 2016, and is subject to change after that date. Please contact us at any branch, by emailing us at xxx@xxx.xxx or by calling 000.000.0000 or 800.328.8797 if you wish to ascertain what changes, if any, have been made to the Credit Union's Visa credit card program since that date. (See also DCU’s Visa Credit Card Agreement and Federal Truth in Savings Disclosure Statement).
Minimum Interest Charge None. For Credit Card Tips From The Consumer Protection Bureau To learn more about the factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at: xxxx://xxx.xxxxxxxxxxxxxxx.xxx/ learnmore FEES Annual Fees None TRANSACTION FEES Cash Advance Foreign Transactions In-House Payment Balance Transfer Fee $25.00 for each transaction 1% of each transaction in U.S. dollars $3 for every payment made through the credit union 4% for each balance transferred. PENALTY FEES Late Payment Returned Check (NSF) Over Limit Fee Card Replacement Fee If your payment is not made on or before your due date you will be charged up to $25. You will be charged up to $27 for any check (or any negotiable instrument used for payment) returned unpaid None $10 How We Will Calculate Your Balance We use a method called “Average Daily Balance (including new purchases)” MasterCard CREDIT CARD AGREEMENT
Minimum Interest Charge None. For Credit Card Tips from the Consumer Financial Protection Bureau 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 xxxx://xxx.xxxxxxxxxxxxxxx.xxx/learnmore FEES: Fees to Open or Maintain your Account • Annual Fee: None • Application Fee: None Transaction Fees • Balance Transfer: None • Cash Advance: 2% of the amount of each cash advance (minimum: $5.00) • Foreign Transaction: None Penalty Fees • Late Payment: Up to $25.00 if your payment is more than 10 days late • Over-the-Credit Limit: None • Returned Payment: Up to $25.00 if your payment is returned for any reason How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)."
Minimum Interest Charge None. For Credit Card Tips from the Consumer Financial Protection Bureau 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 xxxx://xxx.xxxxxxxxxxxxxxx.xxx/learnmore Fees Annual Fee None
Minimum Interest Charge None. For Credit Card Tips from the Consumer Financial Protection Bureau 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 xxxx://xxx.xxxxxxxxxxxxxxx.xxx/learnmore Fees Annual Fee None Transaction Fees None Penalty Fees • Late Payment • Over Limit • Returned Payment Up to $25 None Up to $25 (Not applicable on accounts opened in Wyoming.)
Minimum Interest Charge None. For Credit Card Tips from the Consumer Financial Protection Bureau 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 xxxx://xxx.xxxxxxxxxxxxxxx.xxx/learnmore ¹New Accounts are defined as a credit card account which has been opened within the past 30 days. This does not include any upgrades from already established or existing credit card accounts and/or any credit limit increases. ²Introductory Rate is available only for balance transfers made within 60 days of account opening. Introductory Rate does not apply to balances transferred from other Tower Federal Credit Union credit cards or loans. FEES World MasterCard Gold MasterCard Empower MasterCard Annual Fee None None None Application Fee None None None Transaction Fees Balance Transfer None None 2.50% of the amount of each transfer Cash Advance 2.00% of the amount of each cash advance (minimum: $0.75) Cash Advance ATM: $0.75 per cash advance Cash Advance (Over-the- Counter): None 2.50% of the amount of each cash advance (minimum: $0.75) Foreign Transaction None 1.10% of each transaction in U.S. dollars if the transaction involves a currency conversion 1.00% of each transaction in U.S. dollars if the transaction involves a currency conversion Penalty Fees Late Payment Up to $25.00 if your payment is late 5 days or more Up to $20.00 if your payment is late 14 days or more Up to $25.00 if your payment is late 5 days or more Over-the-Credit Limit None None None Returned Payment Up to $20.00 if your payment is returned for any reason. None Up to $20.00 if your payment is returned for any reason.
Minimum Interest Charge None. For Credit Card Tips from the To learn more about factors to consider when applying for or using a credit Consumer Financial Protection Bureau card, visit the website of the Consumer Financial Protection Bureat at: xxxx://xxx.xxxxxxxxxxxxxxx.xxx/learnmore Fees Annual Fee/Set-up and NONE Maintenance Fees Transaction Fees Balance Transfer NONE Cash Advance NONE Foreign Transaction 1% of each transaction in U.S. dollars. Penalty Fees Late Payment Up to $25 Over-the-Credit Limit NONE Returned Payment Up to $30 Other Fees $10 Card Replacement
