Credit Card Rates

Credit Card Service Platinum Gold Classic Classic Select (Secured)
Annual Percentage Rate (APR) for Purchases 9.90%* 11.90%* 13.90%* 15.90%*
APR for Cash Advances 9.90%* 11.90%* 13.90%* 15.90%*
APR for Balance Transfers 9.90%* 11.90%* 13.90%* 15.90%*

Penalty APR: NONE

Minimum Payment: 3% or $25, whichever is greater

How to avoid paying interest of 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.

Maintenance Fees

Annual Fees: NONE

Transaction Fees

Balance Transfers: NONE

Cash Advance Fee: NONE

Foreign Transaction Fee: 1% of each transaction in U.S. Dollars

Penalty Fees

Late Payment Fee: $25

Over-the-Credit Limit Fee: NONE

Returned Payment Fee: $25

Other Fees

Statement Copy Fee: $5

Document Copy Fee: $5

Rush Fee: $25


*Rates are subject to change without notice. The Board of Directors declares the dividend rates at the beginning of each month. Dividends are paid from current income and available earnings after required transfers to reserves at the end of the Dividend period.

For more information regarding dividends and/or share accounts contact the Credit Union for a Rate and Fee Schedule.