Elements Financial Credit Card Disclosures
Important Credit Card Disclosures for Elements Financial Cash Rewards Visa, Platinum Visa, and Signature Rewards Visa credit cards.
The following disclosure represents important details concerning your Elements Financial Visa Cash Rewards, Visa Platinum, or Visa Signature credit card. The information about costs of the card is accurate as of April 6, 2020. You can contact us toll free at 800-621-2105 or Elements Financial Federal Credit Union, P.O. Box 7123, Indianapolis, IN 46207-7123 to inquire if any changes occurred since the effective date.
INTEREST RATES and INTEREST CHARGES
Cash Rewards Visa · Platinum Visa · Signature Rewards Visa
Annual Percentage Rate (APR) for Purchases and Balance Transfers · 0% Introductory APR for six months. After that, your standard APR will be 12.99% . This APR will vary with the market based on the Prime Rate. · 0% Introductory APR for six months. After that, your standard APR will be 8.99% . This APR will vary with the market based on the Prime Rate. · 0% Introductory APR for six months. After that, your standard APR will be 10.99% . This APR will vary with the market based on the Prime Rate.
APR for Cash Advances · 15.99% This APR will vary with the market based on the Prime Rate. · 15.99% This APR will vary with the market based on the Prime Rate. · 15.99% This APR will vary with the market based on the Prime Rate.
Paying Interest · Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases and balance transfers if you pay your entire balance by the due date each month. We will begin charging interest on cash advances on the date the cash advance is posted to your account.
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 for the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore
