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Disclosures

Truth In Lending

VISA Disclosures

Interest Rates and Interest Charges Platinum VISA Platinum Preferred VISA Share-Secured VISA
Annual Percentage Rate (APR)
for Purchases

3.99% APR

Introductory APR for 6 months.
After that, 13.9% APR.

3.99% APR

Introductory APR for 6 months.
After that, 11.9% APR.


17.95% APR

Annual Percentage Rate (APR)
for Balance Transfers

5.99% APR

Introductory APR for 12 months.
After that, 13.9% APR.

5.99% APR

Introductory APR for 12 months.
After that, 13.9% APR.

17.95% APR
Annual Percentage Rate (APR)
for Cash Advances

3.99% APR

Introductory APR for 6 months.
After that, 13.9% APR.

3.99% APR

Introductory APR for 6 months.
After that, 13.9% APR.

17.95% APR
Penalty APR and When It Applies None.
This APR will be applied to your account if you: 1) Make a late payment; 2) Go over your limit twice in a 6 month period; 3) Make a payment that is returned; or 4) Do any of the above on another CFFCU account.
How long will the Penalty APR aply?
If your APRs are increased for any of these reasons, the Penalty APR will apply until you make six consecutive minimum payments when due and do not exceed your credit limit during that period.
Paying Interest Your due date is at least 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 date.
Minimum Interest Charge None.
Credit Card Tips from the
Federal Reserve Board
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.consumernance.gov/learnmore
Fees
Annual Fee None.
Transaction Fees Balance Transfer: None
Cash Advance: None
Foreign Transaction: 1% of each transaction in U.S. dollars.
Penalty Fees Late Payment: $25
Over-the-Credit LImit: None
Returned Payment: $25

How we calculate your balance: We use a method called “average daily balance” (including new purchases).” See your Credit Card Agreement and Disclosure for more details.
Billing Rights: Information on your rights to dispute transaction and how to exercise those rights is provided in your Credit Card Agreement and Disclosures.

Availability of Terms:  All of the terms described are subject to change.  If these terms change (other than the annual percentage rate) and you decide, as a result, not to enter into an agreement with us, you are entitled to a refund of any fees you paid to us or anyone else in connection with your application.

Online Banking and Bill Pay

Fees 

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