Interest Rate and Interest Charges
Annual Percentage Rate (APR) For Purchases
Annual Percentage Rate (APR) For Balance Transfers and Cash Advances
Paying Interest
For Credit Card Tips from the Consumer Financial Protection Bureau
Fees
CREDIT CARD ACCOUNT AGREEMENT AND FEDERAL DISCLOSURE STATEMENT
THIS IS YOUR CREDIT CARD AGREEMENT AND DISCLOSURE CONTAINING NECESSARY FEDERAL TRUTH-IN-LENDING DISCLOSURE STATEMENTS, AND ANY SPECIAL INSTRUCTIONS REGARDING THE USE OF YOUR VISA CLASSIC, SHARE SECURED VISA, STUDENT VISA, VISA GOLD, VISA PLATINUM, FBINAA AFFINITY VISA, NSA AFFINITY VISA, LEEDA AFFINITY VISA, NEIA AFFINITY VISA, NNALEA AFFINITY VISA, SFSAFBI AFFINITY VISA, AFFNA AFFINITY VISA, ACA AFFINITY VISA, BLUE KNIGHTS AFFINITY VISA, AND C.O.P.S. AFFINITY VISA CREDIT CARDS. PLEASE BE SURE TO READ THIS AGREEMENT CAREFULLY AND NOTIFY US AT ONCE IF ANY PARTS ARE UNCLEAR.
0.00% Introductory APR for 12 months (except for any cardholders who have had a JFCU Credit Card within the last 3 years, and all Share Secured VISA accountholders).
After that, Your APR will be:
16.90% VISA Classic
16.90% Share Secured VISA
16.90% Student VISA
13.90% VISA Gold
11.90% VISA Platinum
11.90% FBINAA Affinity VISA
90% ACA Affinity VISA
90% NSA Affinity VISA
2.00% Introductory APR for 12 months (except for any cardholders who have had a JFCU Credit Card within the last 3 years, and all Share Secured VISA accountholders).
After that, Your APR will be:
16.90% VISA Classic
16.90% Share Secured VISA
16.90% Student VISA
13.90% VISA Gold
11.90% VISA Platinum
11.90% FBINAA Affinity VISA
11.90% ACA Affinity VISA
11.90% NSA Affinity VISA
We will not charge You interest on purchases if You pay Your entire balance owed each month within 23 days of Your statement closing date. We will begin charging interest on cash advances and balance transfers on the transaction date.
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.
Annual Fee · None
Transaction Fees • Cash Advance • Balance Transfer • Convenience Check • Foreign Transaction · Either 2.00% of the advance or $10.00 , whichever is greater ( $100.00 maximum) Either 2.00% of the transfer or $10.00 , whichever is greater ( $100.00 maximum) Either 2.00% of the check or $10.00 , whichever is greater ( $100.00 maximum) 1.00% of each foreign currency transaction in U.S. dollars. 1.00% of each U.S. Dollar transaction that occurs in a foreign country.
11.90% LEEDA Affinity VISA
90% NEIA Affinity VISA
90% NNALEA Affinity VISA
90% SFSAFBI Affinity VISA
90% AFFNA Affinity VISA
90% Blue Knights Affinity VISA
11.90% C.O.P.S. Affinity VISA
11.90% LEEDA Affinity VISA
11.90% NEIA Affinity VISA
11.90% NNALEA Affinity VISA
11.90% SFSAFBI Affinity VISA
11.90% AFFNA Affinity VISA
11.90% Blue Knights Affinity VISA
11.90% C.O.P.S. Affinity VISA
