Product terms with exact source passages
Term	Value	As printed in the source	Source
APR for purchases	15.90%ERIE · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	“15.90%”ERIE · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	p. 1
APR for balance transfers	15.90%ERIE · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	“15.90%”ERIE · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	p. 1
APR for cash advances	15.90%ERIE · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	“15.90%”ERIE · 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	—	no source read
Transaction fees
Cash advance	—	no source read
Balance transfer	$0ERIE · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	“None”ERIE · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	p. 1
Foreign transaction	1% of the amountERIE · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	“1.00% of each transaction in U.S. dollars”ERIE · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	p. 1
Penalty fees
Late payment	up to $25 — Late Payment Fee:ERIE · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	“Up to $25.00”ERIE · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	p. 1
Returned payment	up to $25 — Returned Payment Fee:ERIE · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	“Up to $25.00”ERIE · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	p. 1

APPLICATION AND SOLICITATION DISCLOSUREpage 1 of 2

APPLICATION AND SOLICITATION DISCLOSURE

SECURED MASTERCARD

Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases · 15.90% APR for Balance Transfers · 15.90% APR for Cash Advances · 15.90% How to Avoid Paying Interest on Purchases · Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. 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 of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore. Fees Transaction Fees - Balance Transfer Fee - Foreign Transaction Fee · None 1.00% of each transaction in U.S. dollars Penalty Fees - Late Payment Fee - Returned Payment Fee · Up to $25.00 Up to $25.00

How We Will Calculate Your Balance:

We use a method called "average daily balance (excluding new purchases) (including new balance transfers and cash advances)."

Effective Date:

The information about the costs of the card described in this application is accurate as of: September 03, 2021 This information may have changed after that date. To find out what may have changed, contact the Credit Union.

For California Borrowers, the Secured Mastercard is a secured credit card. Credit extended under this credit card account is secured by various personal property and money including, but not limited to: (a) any goods you purchase with this account, (b) any shares you specifically pledge as collateral for this account on a separate Pledge of Shares, (c) all shares you have in any individual or joint account with the Credit Union excluding shares in an Individual Retirement Account or in any other account that would lose special tax treatment under state or federal law, and (d) collateral securing other loans you have with the Credit Union excluding dwellings.

Other Fees & Disclosures:

Late Payment Fee:

$25.00 or the amount of the required minimum payment, whichever is less, if you are 15 or more days late in making a payment.

Returned Payment Fee:

$25.00 or the amount of the required minimum payment, whichever is less.

Card Replacement Fee: $7.00.

Document Copy Fee: $5.00.

1 2Page 1 is cited

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.

ERIE
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 1
“15.90%”
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ERIE
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 1
“15.90%”
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ERIE
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 1
“15.90%”
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ERIE
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 1
“None”
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ERIE
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 1
“1.00% of each transaction in U.S. dollars”
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ERIE
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 1
“Up to $25.00”
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ERIE
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 1
“Up to $25.00”
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ERIE
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 1
“Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month.”
Additional source detail; structured values remain unknown. This agreement passage is retained verbatim. The pricing interpretation does not replace the complete card-terms declaration.
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History

dates on sources or when they were captured

Aug 23, 2026: Balance transfer APR, Balance transfer fee, Cash advance APR, Foreign transaction fee, Late payment fee, Purchase APR, Returned payment fee

Offered through: Erie Credit Union
Legal issuer: Not established by retained evidence
Regulator: NCUA charter 1476
Branches: 12 in PA
Sources: Official issuer · 3 documents · 1 page cited

Documents

APPLICATION AND SOLICITATION DISCLOSUREeffective date not parsed
Platinum & Secured Mastercard Consumer Credit Card Agreementeffective date not parsedName declaration: SECURED MASTERCARD · page 1
Platinum MasterCard Brochure, Application and Disclosureeffective date not parsedName declaration: SECURED MASTERCARD · page 3

SECURED MASTERCARDErie Credit Union · federal credit union, PA · NCUA 1476

Rates and fees