CommunityAmerica Federal Credit Union PO Box 15950 Lenexa, KS 66285-5950 800.892.7957 CommunityAmerica.com
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 ________________. You can contact us toll free at 800.892.7957 or the address above to inquire if any changes occurred since the effective date. New York residents may contact the New York state department of financial services by telephone or visit its website for free information on comparative credit card rates, fees and grace periods: https://www.dfs.ny.gov/consumers/credit_debt or (800) 342-3736.
INTEREST RATESand INTEREST CHARGES:
Annual Percentage Rate (APR) for · Visa Low Rate · Visa Rewards · Visa Signature
Purchases & Balance Transfers · depending on your credit history. ThisAPR will vary with the market based on the Prime Rate. Rates are subject to a 18 .00% maximum. Prime Rate + 4.99%, Prime Rate + 6.99%, Prime Rate + 10.99% Prime Rate + 15.99% or Prime Rate + 16.99 · Prime Rate + 6.99%, Prime Rate + 8.99% or Prime Rate + 13.99% depending on your credit history. ThisAPR will vary with the market based on the Prime Rate. Rates are subject to a 18 .00% maximum. · Prime Rate + 8.99% or Prime Rate + 10.99% depending on your credit history. ThisAPR will vary with the market based on the Prime Rate. Rates are subject to a 18 .00% maximum.
APR for Cash Advances · Prime Rate + 4.99%, Prime Rate + 6.99%, Prime Rate + 10.99% Prime Rate + 15.99% or Prime Rate + 16.99 depending on your credit history. This APR will vary with the market based on the Prime Rate. Rates are subject to a 18 .00% maximum. · Prime Rate + 6.99%, Prime Rate + 8.99% or Prime Rate + 13.99% depending on your credit history. This APR will vary with the market based on the Prime Rate. Rates are subject to a 18 .00% maximum. · Prime Rate + 8.99% or Prime Rate + 10.99% depending on your credit history. This APR will vary with the market based on the Prime Rate. Rates are subject to a 18 .00% maximum.
Paying Interest · Your due date is at least 21 days after we mail your billing statement. Wewill not charge you interest on purchases if you pay your entire new purchase balance by the due date each month. Wewill 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: · 3% of the amount of each transfer or $5.00 , whichever is greater (maximum: $75.00) 3% of the amount of each cash advance or $5.00 , whichever is greater (maximum: $75.00) Visa Low Rate and Visa Rewards: 1% of each transaction in U.S. dollars 1% of each transaction made in currencies other than U.S. dollars Visa Signature: None
Penalty Fees - Late Payment: - Over-the-Credit Limit: - Returned Payment: · Up to $25 the first time your payment is late. If you make a subsequent late payment within the following 6 billing cycles, you will be charged up to $35 for each late payment. After six consecutive months of on-time payments made, the late payment penalty fee will return to up to $25. None None
How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases).
