Product terms with exact source passages
Term	Value	As printed in the source	Source
APR for purchases	6.75% variableABERDEEN PROVING GROUND · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	“This APR will vary with the market based on the Prime Rate. 6.75 % .”ABERDEEN PROVING GROUND · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	p. 1
APR for balance transfers	6.75% variableABERDEEN PROVING GROUND · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	“This APR will vary with the market based on the Prime Rate. 6.75 % .”ABERDEEN PROVING GROUND · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	p. 1
APR for cash advances	6.75% variableABERDEEN PROVING GROUND · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	“This APR will vary with the market based on the Prime Rate. 6.75 % .”ABERDEEN PROVING GROUND · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	p. 1
Penalty APRafter a late or returned payment	—	no source read
Paying interestgrace period on new purchases	—	no source read
Annual fee	$0ABERDEEN PROVING GROUND · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	“None”ABERDEEN PROVING GROUND · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	p. 1
Transaction fees
Cash advance	—	no source read
Balance transfer	—	no source read
Foreign transaction	—	no source read
Penalty fees
Late payment	—	no source read
Returned payment	—	no source read

APGFCU Classroom Supply Visa Credit Cardpage 1 of 11

Credit Card Disclosures

Classroom Supply Visa

APGFCU Classroom Supply Visa Credit Card ® ®

Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases · This APR will vary with the market based on the Prime Rate. 6.75 % . Annual Percentage Rate (APR) for Balance Transfers · This APR will vary with the market based on the Prime Rate. 6.75 % . Annual Percentage Rate (APR) for Cash Advances, Convenience Checks and Overdraft Advances (if enrolled) · This APR will vary with the market based on the Prime Rate. 6.75 % . PenaltyAPR andWhen it Applies · 18.00 % ThisAPR mayapplyto your account if you: Are over sixty (60) days past due; or Make a payment that is returned and causes your account to be over sixty (60) days past due. Howlongwill the PenaltyAPR apply? IfyourAPRs are increased for either of these reasons, the PenaltyAPR may apply indefinitely. HowtoAvoid Paying Interest on Purchases · Your due date is at least twenty-five (25) days after the close of each billing cycle. We will not charge you interest on purchases if you pay the entire balance by the due date each month. We will begin charging interest on cash advances, balance transfers, convenience checks, and overdraft advances (if enrolled), on the transaction date. For Credit Card Tips from the Consumer Financial Protection Bureau · To learn more about factors to considerwhen 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 Cash Advance Foreign Transaction Overdraft Protection Advance (if enrolled) Balance Transfer · $2 Upto 1 % of the transaction amount in U.S. dollars. $5 None Penalty Fees Late Payment Returned Payment · Upto $25 Upto $20

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

Loss of Introductory APR: You may lose your Introductory APR if the Penalty APR applies to your account.

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement.

Variable Rate Information: Variable APRs are based on the 6.75 % Prime Rate as of 01/02/2026 . Your APR may vary. Rates are determined and adjusted monthly, according to your statement cycle period, by adding a Margin to the Prime Rate published in The Wall Street Journal on the first business day of every month. We add 0.00 % to the Prime Rate for the Classroom Supply Visa.

Balance Transfers: Your request will be processed and applied to your new account within ten (10) days of our receipt of your request. Payments to your other creditors will be made by either us or you in the manner provided to you when your request is approved. If you want to cancel or modify your balance transfer, call toll-free at 1-800-225-2555. Please continue to make regular payments to your other account(s) until you know the balance has been paid.

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Archived Aug 23, 2026Open full document

Sources and dates

Contractual terms come from retained issuer disclosures. Historical cohort statistics come from the CFPB survey and do not change the issuer's terms.

Issuer disclosures and source details

Exact passages support the published terms or show additional details that remain unresolved.

ABERDEEN PROVING GROUND
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 1
“This APR will vary with the market based on the Prime Rate. 6.75 % .”
Read exact source ↗
ABERDEEN PROVING GROUND
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 1
“This APR will vary with the market based on the Prime Rate. 6.75 % .”
Read exact source ↗
ABERDEEN PROVING GROUND
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 1
“This APR will vary with the market based on the Prime Rate. 6.75 % .”
Read exact source ↗
ABERDEEN PROVING GROUND
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 1
“None”
Read exact source ↗

History

dates on sources or when they were captured

Aug 23, 2026: Annual fee, Balance transfer APR, Cash advance APR, Purchase APR

Offered through: Aberdeen Proving Ground Credit Union
Legal issuer: Not established by retained evidence
Regulator: NCUA charter 2540
Branches: 18 in MD
Sources: Official issuer · 1 document · 1 page cited

Documents

APGFCU Classroom Supply Visa Credit Cardeffective date not parsed

Classroom Supply VisaAberdeen Proving Ground Credit Union · federal credit union, MD · NCUA 2540

Rates and fees