Rates

Interest Rates and Interest Charges

Annual Percentage Rate (APR) for Purchases

Alumni Signature Rewards Visa Card
10.49% to 17.49% when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.

APR for Balance Transfers

Alumni Signature Rewards Visa Card
3.99% Introductory APR for a period of 12 billing cycles. After that your APR will be 10.49% to 17.49% based on your creditworthiness. This APR will vary with the market based on the Prime Rate.

APR for Cash Advances

Alumni Signature Rewards Visa Card
10.49% to 17.49%
when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.

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 you any interest on purchases if you pay your entire
balance by the due date each month.
Minimum Interest Charge If you are charged interest, the charge will be no less than $1.00.
The minimum interest charge will be charged on any dollar amount.
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 http://www.consumerfinance.gov/learnmore.

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Fees

Annual Fee None                                           
Transaction Fees
- Balance Transfer Fee
- Cash Advance Fee
- Foreign Transaction Fee   

- None
- $10.00 or 3.00% of the amount of each cash advance, whichever is greater
- 1.00% of each transaction is U.S. dollars
Penalty Fees
- Late Payment Fee
- Returned Payment Fee

- 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).”

Promotional Period for Introductory APR. The Introductory APR for balance transfers will apply to transactions posted to your account during the first 90 days following the opening of your account.

Loss of Introductory APR. We may end your Introductory APR for balance transfers and apply the prevailing nonintroductory APR if you are 16 days late in making a payment.

Effective Date. The information about the costs of the card described in this application is accurate as of March 15, 2013. This information may have changed after that date. To find out what may have changed, contact the Credit Union.

Other Disclosures

Late Payment Fee                $25.00 or the amount of the required minimum payment, whichever is less,
if you are 16 or more days late in making a payment.
Returned Payment Fee $25.00 or the amount of the required minimum payment, whichever is less.
Returned Convenience Check Fee $10.00 or the amount of the returned convenience check, whichever
is less.
Stop Payment Convenience Check Fee $10.00
Statement Copy Fee $10.00 within 6 months of statement origination date
$25.00 greater than 6 months from statement origination date
Document Copy Fee $3.00
Rush Fee $5.00
Emergency Card Replacement Fee $250.00
Card Replacement Fee $10.00
Pay-by-Phone Fee $5.00
Check Copy Fee $3.00