|
MY Credit Union |
Visaź Classic |
Visaź Gold |
| Annual
Percentage Rate for Purchases, Advances and Balance
Transfers |
13.90% to
21.90%* |
9.90% to
17.90%* |
|
Annual Fee |
$15.00-Waived if card is used six (6) times or more per
year. |
|
Grace Period for Repayment
of Balances for Purchases |
You have 25 days from the billing cycle
closing date to repay your balance for purchases before
a finance charge on purchases will be imposed. There
is no grace period for Cash Advances and Balance
Transfers. |
| Method for
Computing Balance for Purchases |
Average Daily
Balance (including new purchases, Cash Advances and Balance
Transfers). |
| Fees** for cash advances, for paying late or exceeding the credit limit |
| Cash Advances: |
None |
| Late Payment: |
|
| Visa Classic |
$10.00 |
| Visa Gold |
$10.00 |
| Over the Credit Limit: |
$10.00 |
| Returned Check: |
$20.00 |
|
|
Annual Percentage Rate (APR)* Information |
Your Annual Percentage Rate is fixed.
Default Rate APR:
If borrower twice fails to make the required minimum
payment, the Purchase and Cash Advance APR will increase
by 2.00%.***Visaź Classic
15.90%
to
23.90%
Visaź Gold
11.90% to
19.90% |
| |
|
|
*APR = Annual Percentage Rate, based on credit
scoring criteria. All rates are subject to change.
**Fees: Late payment fee: assessed the 11th day after payment
is due. Over Limit Fee: assessed if outstanding balance
exceeds credit limit by $500 or 120%, whichever is less.
***Default Rate APR: Remains in effect until Borrower submits
the required minimum payment by the payment due date for a
period of 12 consecutive months.
The policies and services described in this
brochure are in effect on the date of publication, and may be
revised at any time. |
