Credit Card Pricing AgreementCredit Card Pricing Agreement • April 29th, 2024
INTEREST RATES AND INTEREST CHARGES Annual Percentage Rate(APR) for Purchases 0.00% Introductory APR for 12-Months from account opening on the first 90 days of purchases.After that, your APR will be 16.24% - 24.00%, based on your creditworthiness and will vary with the market based on the Prime Rate. APR for Balance Transfers Balance Transfer APR: 16.24% - 24.00%, based on your creditworthiness and will vary with the market based on the Prime Rate. APR for Cash Advances Cash Advance APR: 16.24% - 24.00%, based on your creditworthiness and will vary with the market based on the Prime Rate. Penalty APR and When It Applies 24.00% - This APR may be applied to your account if:• Your minimum monthly payment is more than 60 days late• You are in default of any other terms of the AgreementHow long will the penalty APR apply?If your APR is increased for any of these reasons, the penalty APR will apply until you make six consecutive minimum payments when due. How to Avoid Paying Interest on Purc
Credit Card Pricing AgreementCredit Card Pricing Agreement • September 25th, 2020
INTEREST RATES AND INTEREST CHARGES Annual Percentage Rate(APR) for Purchases 1.99% For introductory period of 6 months.After that, your APR will be 11.99% - 18.00%, based on your creditworthiness and will vary with the market based on the Prime Rate. APR for Balance Transfers Balance Transfer APR: 1.99% For introductory period of 6 months.After that, your APR will be 11.99% - 18.00%, based on your creditworthiness and will vary with the market based on the Prime Rate. APR for Cash Advances Cash Advance APR: 1.99% For introductory period of 6 months.After that, your APR will be 11.99% - 18.00%, based on your creditworthiness and will vary with the market based on the Prime Rate. Penalty APR and When It Applies 18.00% - This APR may be applied to your account if:• Your minimum monthly payment is more than 60 days late• You are in default of any other terms of the AgreementHow long will the penalty APR apply?If your APR is increased for any of these reasons, the penalty APR will apply un
Credit Card Pricing AgreementCredit Card Pricing Agreement • July 30th, 2018
INTEREST RATES AND INTEREST CHARGES Annual Percentage Rate(APR) for Purchases 3.90% For promotional period of 6 months.After that, your APR will be 12.74% - 18.00%, based on your creditworthiness and will vary with the market based on the Prime Rate. APR for Balance Transfers Balance Transfer APR: 3.90% For promotional period of 9 months.After that, your APR will be 12.74% - 18.00%, based on your creditworthiness and will vary with the market based on the Prime Rate. APR for Cash Advances Cash Advance APR: 3.90% For promotional period of 6 months.After that, your APR will be 12.74% - 18.00%, based on your creditworthiness and will vary with the market based on the Prime Rate. Penalty APR and When It Applies 18.00% - This APR may be applied to your account if:• Your minimum monthly payment is more than 60 days late• You are in default of any other terms of the AgreementHow long will the penalty APR apply?If your APR is increased for any of these reasons, the penalty APR will apply until
Credit Card Pricing AgreementCredit Card Pricing Agreement • May 5th, 2020
INTEREST RATES AND INTEREST CHARGES Annual Percentage Rate(APR) for Purchases Your APR will be 10.99% - 18.00%, based on your creditworthiness and will vary with the market based on the Prime Rate. APR for Balance Transfers Your APR will be 10.99% - 18.00%, based on your creditworthiness and will vary withthe market based on the Prime Rate. APR for Cash Advances Your APR will be 10.99% - 18.00%,based on your creditworthiness and will vary with the market based on the Prime Rate. Penalty APR and When It Applies 18.00% - This APR may be applied to your account if:• Your minimum monthly payment is more than 60 days late• You are in default of any other terms of the AgreementHow long will the penalty APR apply?If your APR is increased for any of these reasons, 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 each billing cycle. We will not charge any intere
Credit Card Pricing AgreementCredit Card Pricing Agreement • April 28th, 2016
INTEREST RATES AND INTEREST CHARGES Initial Rate/Annual Percentage Rate (APR)for Purchases Your Account has a variable annual percentage rate ("APR") of interest which is equal to the Wall Street Journal Prime Rate ("Prime Rate") in effect at the time the Account was opened plus 4.00% (“Rate”). Changes to your APR Your Rate may change on a monthly basis based on the applicable Prime rate plus 4.00% Minimum and Maximum APRs Your initial Rate and APR will never be lower than 9.90% and will never exceed the maximum rate permitted by applicable law. APR (APR) for Balance Transfers & Cash Advances Balance Transfers & Cash Advance APR: the initial APR is a variable rate equal to the Wall Street Journal Prime Rate (Prime Rate) in effect plus 4.00% at the time the transactions is received. Changes to your APR Your Rate may change on a monthly basis based on the applicable Rate. Minimum and Maximum Rates The APR will never be lower than 9.90% and will never exceed the maximum rate permitted b
Credit Card Pricing AgreementCredit Card Pricing Agreement • May 28th, 2022
INTEREST RATES AND INTEREST CHARGES Annual Percentage Rate(APR) for Purchases 1.99% For introductory period of 6 months from account opening.After that, your APR will be 17.24% - 18.00%, based on your creditworthiness and will vary with the market based on the Prime Rate. APR for Balance Transfers Balance Transfer APR: 1.99% For introductory period of 6 months from account opening.After that, your APR will be 17.24% - 18.00%, based on your creditworthiness and will vary with the market based on the Prime Rate. APR for Cash Advances Cash Advance APR: 1.99% For introductory period of 6 months from account opening.After that, your APR will be 17.24% - 18.00%, based on your creditworthiness and will vary with the market based on the Prime Rate. Penalty APR and When It Applies 18.00% - This APR may be applied to your account if:• Your minimum monthly payment is more than 60 days late• You are in default of any other terms of the AgreementHow long will the penalty APR apply?If your APR is in
Credit Card Pricing AgreementCredit Card Pricing Agreement • July 30th, 2018
INTEREST RATES AND INTEREST CHARGES Annual Percentage Rate (APR) for Purchases 3.90% For promotional period of 6 months.After that, your APR will be 13.74% - 18.00%, based on your creditworthiness and will vary with the market based on the Prime Rate. APR for Balance Transfers Balance Transfer APR: 3.90% For promotional period of 9 months.After that, your APR will be 13.74% - 18.00%, based on your creditworthiness and will vary with the market based on the Prime Rate. APR for Cash Advances Cash Advance APR: 3.90% For promotional period of 6 months.After that, your APR will be 13.74% - 18.00%,based on your creditworthiness and will vary with the market based on the Prime Rate. Penalty APR and When It Applies 18.00% - This APR may be applied to your account if:• Your minimum monthly payment is more than 60 days late• You are in default of any other terms of the AgreementHow long will the penalty APR apply?If your APR is increased for any of these reasons, the penalty APR will apply unti
Credit Card Pricing AgreementCredit Card Pricing Agreement • April 29th, 2024
INTEREST RATES AND INTEREST CHARGES Annual Percentage Rate (APR) for Purchases 0.00% Introductory APR for 12-Months from account opening on the first 90 days of purchases. After that, your APR will be 17.24% - 24.00%, based on your creditworthiness and will vary with the market based on the Prime Rate. APR for Balance Transfers Balance Transfer APR: 17.24% - 24.00%, based on your creditworthiness and will vary with the market based on the Prime Rate. APR for Cash Advances Cash Advance APR: 17.24% - 24.00%, based on your creditworthiness and will vary with the market based on the Prime Rate Penalty APR and When It Applies 24.00% - This APR may be applied to your account if:• Your minimum monthly payment is more than 60 days late• You are in default of any other terms of the AgreementHow long will the penalty APR apply?If your APR is increased for any of these reasons, the penalty APR will apply until you make six consecutive minimum payments when due. How to Avoid Paying Interest on Pur
Credit Card Pricing AgreementCredit Card Pricing Agreement • November 21st, 2016
INTEREST RATES AND INTEREST CHARGES Annual Percentage Rate (APR) for Purchases 1.90% for promotional period of 6 months. After that, your APR will be 9.99% - 18.00%, based on your creditworthiness and will vary with the market based on the Prime Rate. APR for Balance Transfers and Cash Advances Balance Transfer APR: 1.90% promotional period for 6 months. After that, your APR will be 9.99%, - 18.00% based on your creditworthiness and will vary with the market based on the Prime Rate. Cash Advance APR: 1.90% promotional period for 6 months. After that, your APRwill be 9.99% - 18.00%, based on your creditworthiness and will vary with the market based on the Prime Rate. Penalty APR and When it Applies 18.00% - This APR may be applied to your account if:• Your minimum monthly payment is more than 60 days late• You are in default of any other terms of the AgreementHow long will the penalty apply? If your APR is increased for any of these reasons, the penalty APR will apply until you make s
Credit Card Pricing AgreementCredit Card Pricing Agreement • April 29th, 2024
INTEREST RATES AND INTEREST CHARGES Annual Percentage Rate (APR) for Purchases Your APR will be 16.24% - 24.00%, based on your creditworthiness and will vary with the market based on the Prime Rate. APR for Balance Transfers Balance Transfer APR: 16.24% - 24.00%, based on your creditworthiness and will vary with the market based on the Prime Rate. APR for Cash Advances Cash Advance APR: 16.24% - 24.00%, based on your creditworthiness and will vary with the market based on the Prime Rate. Penalty APR and When It Applies 24.00% - This APR may be applied to your account if:• Your minimum monthly payment is more than 60 days late• You are in default of any other terms of the AgreementHow long will the penalty APR apply?If your APR is increased for any of these reasons, 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 each billing cycle. We will not charge any i
Credit Card Pricing AgreementCredit Card Pricing Agreement • April 28th, 2016
INTEREST RATES AND INTEREST CHARGES Annual Percentage Rate (APR) for Purchases 3.90% introductory APR for 6 months.After that, your APR will be 10.99% - 18.00%, based on your creditworthiness and will vary with the market based on the Prime Rate. APR for Cash Advances & Balance Transfers Balance Transfer APR: 3.90% introductory APR for 9 months.After that, your APR will be 10.99% - 18.00%, based on your creditworthiness and will vary with the market based on the Prime Rate.Cash Advance APR: 3.90% introductory APR for 6 months.After that, your APR will be 10.99% - 18.00%, based on your creditworthiness and will vary with the market based on the Prime Rate. Penalty APR and When It Applies 18.00% - This APR may be applied to your account if: Your minimum monthly payment is more than 60 days late You are in default of any other terms of the AgreementHow long will the penalty APR apply?If your APR is increased for any of these reasons, the penalty APR will apply until you make six cons
Credit Card Pricing AgreementCredit Card Pricing Agreement • May 28th, 2022
INTEREST RATES AND INTEREST CHARGES Annual Percentage Rate (APR) for Purchases 1.99% For introductory period of 6 months from account opening.After that, your APR will be 16.24% - 24.00%, based on your creditworthiness and will vary with the market based on the Prime Rate. APR for Balance Transfers Balance Transfer APR: 1.99% introductory period of 6 months from account opening.After that, your APR will be 16.24% - 24.00%, based on your creditworthiness and will vary with the market based on the Prime Rate. APR for Cash Advances Cash Advance APR: 1.99% For introductory period of 6 months from account opening. After that, your APR will be 16.24% - 24.00%, based on your creditworthiness and will vary with the market based on the Prime Rate. Penalty APR and When It Applies 24.00% - This APR may be applied to your account if:• Your minimum monthly payment is more than 60 days late• You are in default of any other terms of the AgreementHow long will the penalty APR apply?If your APR is incr
Credit Card Pricing AgreementCredit Card Pricing Agreement • May 5th, 2020
INTEREST RATES AND INTEREST CHARGES Annual Percentage Rate(APR) for Purchases Your APR will be 10.99% - 18.00%, based on your creditworthiness and will vary with the market based on the Prime Rate. APR for Balance Transfers Your APR will be 10.99% - 18.00%, based on your creditworthiness and will vary with the market based on the Prime Rate. APR for Cash Advances Your APR will be 10.99% - 18.00%, based on your creditworthiness and will vary with the market based on the Prime Rate. Penalty APR and When It Applies 18.00% - This APR may be applied to your account if:• Your minimum monthly payment is more than 60 days late• You are in default of any other terms of the AgreementHow long will the penalty APR apply?If your APR is increased for any of these reasons, 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 each billing cycle. We will not charge any interest
Credit Card Pricing AgreementCredit Card Pricing Agreement • January 19th, 2016
I/We hereby certify that all statements made are true and complete, are submitted for the purpose of obtaining credit, and that the lender may rely on them for the determination of creditworthiness. I/We authorize you to obtain such information as you may require concerning the statements made in this loan application, agree that the application shall remain your property, and you are authorized to answer questions about your credit experience with me/us. By checking the "I Agree with the statement above" checkbox and clicking the [Submit] button, the applicant(s) authorizes this loan application to be processed by the lender including but not limited to, obtaining the applicant(s) credit history, contacting employer(s) to verify employment, verifying income and assets, and verifying the accuracy of statements contained therein. It is a federal crime to willfully and deliberately provide incomplete or incorrect information on loan applications made to federal credit unions or state cha
