BORROWER 1 NAME
BORROWER 2 NAME
TRUTH-IN-LENDING DISCLOSURE STATEMENT - ACCOUNT OPENING DISCLOSURES
ACCOUNT NUMBER
DATE
United Federal Credit Union
2807 S. State Street St. Joseph, MI 49085 (888) 982-1400
The following disclosure represents important details concerning your credit card. This statement is incorporated into and becomes a part of your Credit Card Agreement. We reserve the right to periodically review your credit standing and to increase any rate on your new balances, in accordance with applicable law. The Credit Card you have received is indicated by the checkbox below.
INTEREST RATESand INTEREST CHARGES:
Annual Percentage Rate (APR) for Purchases · 0.00-2.99% Introductory APR for __6__ months of account opening. After that, your Standard APR will be 7 . 7 4 -1 7 . 74 % . This APR will vary with the market based on the Prime Rate*. · 1 0 . 7 4 -18.00% . This APR will vary with the market based on th e Prime Rate*.
APR for Balance Transfers** · 0.00-2.99% Introductory APR for __6__ months of account opening. After that, your Standard APR will be 7 . 7 4 -1 7 . 74 % . This APR will vary with the market based on the Prime Rate*. · 1 0 . 7 4 -18.00%. This APR will vary with the market based on the Prime Rate*.
APR for Cash Advances · 7 . 7 4 -1 7 . 74 %. TheAPR will vary with the market based on the Prime · 1 0 . 7 4 - 18.00%. ThisAPR will vary with the market based on the Prime
Paying Interest · Your due date is at least 21 days after we mail your billin g state ment. Wewill not charge you interest on purchases if you pay your entire new purchase balance by the due date each month. For Cash Advances and Balance Transfers, we will begin charging interest on the transaction date. Rate*. Rate *.
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:
- Annual Fee: - Application Fee: Fees to Open or Maintain your Account · None None
Transaction Fees - Balance Transfer: - Cash Advance: - Foreign Transaction: · None None 0 % of each transaction in U.S. dollars if the transaction involves a currency conversion 0 % of each transaction in U.S. dollars if the transaction does not involve a currency conversion
Penalty Fees - Late Payment: - Over-the-Credit Limit: - Returned Payment: · If your payment is made 5 or more days after your statement cycle closes , up to $ 2 8 for the first occurrence and up to $ 3 9 each if 2 or more occurrences occur within 6 months. None Up to $ 3 4 if your payment is returned for any reason
How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)." See your account agreement for more details.
Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement.
Loss of Introductory Rate : We may end your Introductory Rate and apply the standard APR disclosed above if you make a late payment.
SEE NEXT PAGE for more important information about this account
