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Application Disclosure

Interest Rate and Interest Charges  
Annual Percentage Rate
(APR) on Purchases,
Balance Transfers and
Cash Advances
2.99% introductory APR for one year, based on your creditworthiness.

    After that, your APR will be 7.24% to 13.24%. This APR will vary with the
    market based on the Prime Rate.
Penalty APR and When it Applies None
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 statement balance by the due date each month.
We will begin charging interest on cash advances on the transaction date.
Minimum Interest
Charge
None
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
  • Cash Advance
  • Foreign Transaction


None
None
1% of each transaction in U.S. dollars.

Penalty Fees
  • Late Payment
  • Over-the-Credit-Limit
  • Returned Payment


Up to $18.
None
Up to $25.

   How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases and cash
                                                                          advances).” See your account agreement for more details.

   Loss of Introductory APR: We may end your introductory APR and apply the post-introductory APR if you make a late payment.

   Effective Date: The information about the costs of our credit cards is accurate as of November 1, 2013. This information 
                                may have changed after that date. To find out what may have changed, visit the Fee Disclosure at 
                                www.forumcu.com.

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