Our options include:
Visa Platinum® Secured Account Disclosures
|INTEREST RATE AND INTEREST CHARGES|
|Annual Percentage Rates (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 approximately twenty-five (25) days after the close of each billing cycle. We will not charge you 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 posting date.
|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 https://www.ConsumerFinance.gov/LearnMore.
|Balance Transfer Fees||1.0% of the amount of each balance transfer.|
|Cash Advance Fees||1.0% of the amount of each transaction at Over-the-Counter or Cash Equivalent.|
|Foreign Transaction Fees||None|
|ATM Transaction||1.0% of the amount of each transaction at ATMs.|
|Late Payments||Up to twenty-seven dollars ($27.00) the first time, any subsequent violation within six (6) months up to thirty-seven dollars ($37.00). This applies to payments received after five (5) days from the due date.
|Over Limit Fee (Opt In)||Up to $15.00|
|Return Payment Fee|| $20.00|
|Card Replacement Fee||$10.00|
|Returned Statement||You will be charged one dollar ($1.00) for each monthly billing statement that is returned.
|Copies of Visa Transaction Receipts and Statements||You will be charged three dollars ($3.00) for each copy you request of a receipt for any purchase, credit, Cash Advance, or of a monthly billing statement (except in connection with the resolution of a billing error).
Members 1st Federal Credit Union Secured Card Savings Account Disclosures
The fees and terms applicable to your Secured Card Savings account at the Credit Union are provided in this
Truth-in-Savings Disclosure. The Credit Union may change the APY for these accounts.
Effective Date: November 1, 2019
|Dividend Rate/Annual Percentage Yield||0.15% Rate/ 0.15% APY|
|Minimum Opening Deposit||$300.00|
|Minimum Balance to Earn Stated APY||$300.00|
|TRUTH-IN-SAVINGS ACCOUNT DISCLOSURES|
View Credit Card Agreement
Home Equity Loan 5-Year
Visa Balance Transfer
Home Equity Loan 10-Year
*APR=Annual Percentage Rate **APY=Annual Percentage Yield