Credit Card Terms

Visa Signature® Credit Card

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%
Penalty APR None
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
Fees
Set-up and Maintenance Fees  
Application Fees None
Annual Fees $95; each additional cardholder: $75 per year.
Transaction Fees  
- Cash Advance None
- Balance Transfer None
- Foreign Transaction None
Penalty Fees  
- 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 08/01/22. 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.

Cash Back Visa® Credit Card

Interest Rates and Interest Charges
ANNUAL PERCENTAGE RATE (APR) for Purchases

0.00% introductory APR for the first 12 months from date of account opening.

After that, your APR will be 11.74% to 18.00%, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.

APR for Balance Transfers

0.00% introductory APR for the first 12 months from date of account opening.

After that, your APR will be 11.74% to 18.00%, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.

APR for Cash Advances 18.00% This APR will vary with the market based on the Prime Rate.
Penalty APR None
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.

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
Set-up and Maintenance Fees  
Application Fees None
Annual Fees None
Transaction Fees  
- Cash Advance None
- Balance Transfer None
- Foreign Transaction None
Penalty Fees  
- Late Payment Up to $25 for first violation, up to $35 for each additional violation during any six consecutive billing cycles.
- Returned Payment Up to $25 for first violation, up to $30 for each additional violation during any six consecutive billing cycles.
   

How We Will Calculate Your Balance: We will use a method called "average daily balance (including new purchases)."

Loss of Introductory APR: We may end your introductory APR if you make a late payment.

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 08/01/22. 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.