ANNUAL PERCENTAGE RATE FOR PURCHASES
13.90% MasterCard
9.90% Gold MasterCard
OTHER APRs
MasterCard
Balance Transfer APR: 13.90%
Cash Advance APR: 13.90%
Gold MasterCard
Balance Transfer APR: 9.90%
Cash Advance APR: 9.90%
GRACE PERIOD FOR REPAYMENT OF BALANCE FOR PURCHASES
If you have paid your account in full by the date shown on the previous monthly statement, or there is no previous balance, you have 25 days to repay your account balance before a finance charge on current purchases will be imposed.
METHOD OF COMPUTING THE BALANCE FOR PURCHASES
Average Daily Balance (including new purchases)
MINIMUM FINANCE CHARGE
None
TRANSACTION FEE FOR PURCHASES AND CASH ADVANCES
None
TRANSACTION FEES
- Foreign Transaction Fee 1.00% of each transaction in U.S. dollars
PENALTY FEES
- Late Payment Fee Up to $30.00
- Returned Payment Fee Up to $30.00
How We Will Calculate Your Balance:
We use a method called "average daily balance (including new purchases)."
Effective Date:
The information about the costs of the card described in this application is accurate as of: 1/1/2019
This information may have changed after that date. To find out what may have changed, contact the Credit Union at4800 Grover Avenue, Austin, Texas 78756.
For California Borrowers, the Gold Mastercard and Classic Mastercard are secured credit cards. Credit extended under this credit card account is secured by various personal property and money including, but not limited to: (a) any goods you purchase with this account, (b) any shares you specifically pledge as collateral for this account on a separate Pledge of Shares, (c) all shares you have in any individual or joint account with the Credit Union excluding shares in an Individual Retirement Account or in any other account that would lose special tax treatment under state or federal law, and (d) collateral securing other loans you have with the Credit Union excluding dwellings. Notwithstanding the foregoing, you acknowledge and agree that during any periods when you are a covered borrower under the Military Lending Act your credit card will be secured by any specific Pledge of Shares you grant us but will not be secured by all shares you have in any individual or joint account with the Credit Union. For clarity, you will not be deemed a covered borrower if: (i) you establish your credit card account when you are not a covered borrower; or (ii) you cease to be a covered borrower.
Other Fees & Disclosures:
Late Payment Fee:
5.00% of the required minimum payment if you are 10 or more days late in making a payment, starting at $15.00 and up to $27.00, or the amount of the required minimum payment, whichever is less. In the event you fail to make a payment on time in any of the six billing cycles following the initial violation, you will be charged a fee starting at $15.00 and up to $30.00 or the amount of the required minimum payment, whichever is less.
Returned Payment Fee:
$27.00 or the amount of the required minimum payment, whichever is less. In the event a payment is returned in the same or in any of the six billing cycles following the initial violation, you will be charged $30.00 or the amount of the required minimum payment, whichever is less.
Returned Letter Check Fee:
$27.00 or the amount of the returned letter check, whichever is less. However, the fee will not exceed the amount of your minimum payment. In the event a letter check is returned in the same or in any of the six billing cycles following the initial violation, you will be charged $30.00 or the amount of the returned letter check, whichever is less. However, the fee will not exceed the amount of your minimum payment.
Card Replacement Fee:
$10.00
