UTAH COMMUNITY FEDERAL CREDIT UNION CREDIT CARD RATE & FEE DISCLOSURES
Interest Rates and Interest Charges
Annual Percentage Rate (APR) for Purchases and Balance Transfers Low-Rate Credit Card · 11.00% to 17.50% based upon your creditworthiness. This APR will vary with the market based on the U.S. Prime Rate.
Wolverine Low-Rate Credit Card · 11.00% to 17.50% based upon your creditworthiness. This APR will vary with the market based on the U.S. Prime Rate.
Business Low-Rate Credit Card · 11.00% to 17.50% based upon your creditworthiness. This APR will vary with the market based on the U.S. Prime Rate.
Everyday 4321 Credit Card · 18.00%
Wolverine Everyday 4321 Credit Card · 18.00%
Travel 4321 Credit Card · 18.00%
Wolverine Travel 4321 Credit Card · 18.00%
Business 4321 Credit Card · 18.00%
Annual Percentage Rate (APR) for Cash Advances · 18.00%
How to Avoid 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 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 transaction date.
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 of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore.
Fees
Annual Fees Low Rate Credit Card, Wolverine Low Rate Credit Card, Business Low Rate Credit Card, Everyday 4321 Credit Card, Wolverine Everyday 4321 Credit Card and Business 4321 Credit Card Travel 4321 Credit Card and Wolverine Travel 4321 Credit Card · None $50 per year (charged on anniversary of your original account open date and each year thereafter)
Transaction Fees • Balance Transfers • Cash Advances • Foreign Transactions · None None Up to 2% of Transaction Amount
Penalty Fees • Late Payment • Over-the-Credit Limit • Returned Payment · Up to $25 None Up to $25
How we calculate your balance: We use a method called 'daily balance ( including new purchases). '
