Florida Credit Union PO Box 5549 Gainesville, FL 32627 1-800-284-1144 www.flcu.org
IMPORTANT CREDIT CARD DISCLOSURES
The following disclosure represents important details concerning the credit cards we offer. The information about costs of the card is accurate as of ________________. You can contact us toll free at the number or 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:
FCU Select Signature · Wave Rewards · Visa Platinum Rate · Fresh Start
Annual Percentage Rate (APR) for Purchases · depending on your creditworthiness. ThisAPR will vary with the market based on the Prime Rate. ______ %to ______% · 0.00% Introductory APR for 9 months as of date of account opening. After that, your Standard APR will be ______% to ______% depending on your credit worthiness. · depending on your creditworthiness. ______ %to ______% · 23.99%
APR for Balance Transfers · _______ %to _______ % depending on your creditworthiness. ThisAPR will vary with the market based on the Prime Rate. · depending on your creditworthiness. _______ %to _______ % · depending on your creditworthiness. _______ %to _______ % · 23.99%
APR for Cash Advances · 17.90% · 17.90% · 17.90% · 23.99%
Penalty APR and When it Applies · None
Paying Interest · Your due date is at least 25 days after the close of each billing cycle. We will not charge you interest on new purchases if you pay your entire 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 · If you are charged interest, the charge will be no less than $1.50.
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
