ContractCredit Card Agreement • May 8th, 2023
Contract Type FiledMay 8th, 2023EMPOWER FEDERAL CREDIT UNION® CREDIT CARD AGREEMENT AND DISCLOSURE December 23,2024 Interest Rates and Interest Charges Fees Variable Annual Percentage Rate (APR)1Rates apply to Purchases, Balance Transfers, and Cash Advances 12.74% to 17.99% Empower Platinum Mastercard®12.74% to 17.99% Empower World Mastercard®This APR will vary with the market based on the Prime Rate Annual FeeTransaction Fees Balance Transfer ATM Cash Advance Foreign TransactionPenalty FeesLate Payment2Over the Credit Limit Returned Payment None None None Penalty APR and When it Applies None None Paying Interest Your due date is at least 25 days after the close of each billing cycle. We will not charge you interest on purchases if you pay your entire balance by the Up to $25.00 due date each month. We will begin charging interest on Cash Advances and None Balance Transfers on the transaction date. None Minimum Interest Charge None For Credit Card Tips from the Consumer Financial Protection Bureau To learn