Preferred Visa Signature® Credit Card Rates and Terms
|Interest Rates and Interest Charges|
|ANNUAL PERCENTAGE RATE (APR) for Purchases||18.00%|
|APR for Balance Transfers||18.00%|
|APR for Cash Advances||18.00%|
|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. We will begin charging interest on balance transfers and cash advances 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|
|Set-up and Maintenance Fees|
|Annual Fees||$249; each additional cardholder: $75 per year.|
|- Cash Advance||4.00% of the amount of each cash advance, $10 minimum.|
|- Balance Transfer||3.00% of the amount of each balance transfer, $5 minimum.|
|- Foreign Transaction||None|
|- Late Payment||Up to $35|
|- Returned Payment||Up to $30|
|- Over-the-Credit Limit||None|
How We Will Calculate Your Balance: We will use a method called "average daily balance (including new purchases)."
Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement.
APR = Annual Percentage Rate
Loans are subject to credit union membership eligibility, credit approval, and verification of information provided on the application. Other terms and conditions may apply. Terms and conditions subject to change at any time without prior notice.
Rates shown in ANNUAL PERCENTAGE RATE above accurate as of 02/01/19. The information may have changed after that date. To find out what may have changed, call us at 407.277.5045 or write us at 3087 N. Alafaya Trail Orlando, FL 32826. All rates are subject to a maximum of the greater of 18.00% APR or the highest APR then permitted by applicable law.