IMPORTANT CREDIT CARD DISCLOSURES
The following disclosure represents important details concerning your credit card. The information about costs of the card are accurate as of March 1, 2019 . You can contact us toll free at (800) 448-4096 or P.O. Drawer 8, Daleville, AL 36322 to inquire if any changes occurred since the effective date.
INTEREST RATESand INTEREST CHARGES:
Annual Percentage Rate (APR) for Purchases & Cash Advances · Platinum MasterCard and Platinum EMV MasterCard · Platinum CU Rewards MasterCard
9 .99% to 18.00% depending on your credit history. · 11 .99% to 18.00% depending on your credit history.
APR for Balance Transfers · 9 .99% to 18.00% depending on your credit history. · 11 .99% to 18.00% depending on your credit history.
Penalty APR and When it Applies · None
Paying Interest · Your due date is at least 21 days after we mail your billing statement. We will not charge you interest on purchases if you pay your entire new purchase balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the date the cash advance or balance transfer is posted to your account.
Minimum Interest Charge · None
For Credit Card Tips from the Consumer Financial Protection Bureau · Tolearn 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:
Fees to Open or Maintain your Account - Annual Fee: - Application Fee: · None None
Transaction Fees - Balance Transfer: - Cash Advance: - Foreign Transaction: · None 3% of each advance transaction 1.10% of each transaction in U.S. dollars if the transaction involves a currency conversion 1.10% of each transaction in U.S. dollars if the transaction does not involve a currency conversion
Penalty Fees - Late Payment: - Over-the-Credit Limit: - Returned Payment: · 10% of amount past due, $15 minimum None Up to $25.00 if your payment is returned for any reason
How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases).
Loss of Introductory Rate : We may end your Introductory Rate and apply the standard APR disclosed above if you make a late payment.
