Credit Card
Interest Rates and Interest Charges |
| Annual Percentage Rate (APR) for Purchases |
14.25% |
| APR for Cash Advance |
14.25% |
| How to Avoid Paying interest on Purchases |
Your due date is at least 25 days after the close of each billing cycle.
We do not charge you interest on purchases if you pay your entire balance by the due date each month.We will begin charging interest on cash advances ont the transaction date. |
| For Credit Card Tips from the Federal Reserve Board |
To learn more about factors to consider when applying for or using a credit card, visit the Web site of the Federal Reserve Board at
http://www.federalreserve.gov/creditcard |
Transaction Fees
- Foreign Transaction Fee |
1.00% of each transaction in U.S. dollars |
Penalty Fees
- Late Payment Fee
- Over-the-Credit Limit Fee
- Returned Payment Fee |
Up to $25.00
Up to $25.00
Up to $25.00
|
How We Will Calculate Your Balance. We use a method called "average daily balance (including new purchases)."
Billing Rights. Information on you rights to dispute transactions and how to exercise those rights is provided in your account Agreement.
|
Late Payment Fee
Over-the-Credit Limit Fee
Returned Payment Fee
Statement Copy Fee
Document Copy Fee
Rush Fee
Emergency Card Replacement Fee
Card Replacement Fee
Card Recovery Fee
Processing Fee
Convenience Checks |
$25.00 or the amount of the required minimum payment, whichever is less
$25.00 or the amount of the transaction exceeding your credit limit, whichever is less
$25.00 or the amount of the required minimum payment, whichever is less.
$2.00
$20.00
$35.00
$150.00
$5.00
$65.00
$15.00
N/A |
Collection Costs. You agree to pay all costs of collecting the amount you owe under this Agreement, including court costs and reasonable attorney's fees paid to an individual who is not an employee of the Credit Union. The attorney's fees you pay will not exceed 15.00% of the unpaid debt after default.
Periodic Rates.
The Purchase APR is 14.25% which is a monthly periodic rate of 1.1875%
The Cash Advance APR is 14.25% which is a monthly periodic rate of 1.1875%
To apply for a Delta County Federal Credit Union VISA credit card print this Application and bring it into one of our branches. You must be a Delta County Federal Credit Union member to have a credit card with the Credit Union. See the Membership tab to see if you qualify to become a member.
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