VISA® Classic Credit Card Disclosure

Annual Percentage Rate (APR) for Purchases, Cash Advances and Balance Transfers 9.25%*
This APR will vary with the market based on the Prime Rate*.
Promotional Rate for Balance Transfers 1.99%
This promotional APR is for first 6 months for each transfer of $500 or more. Rate available for transfers that post to your account by 8/29/2014. After that, APR will be the same rate in effect for purchases and cash advances. APR for transfers less than $500 per lender will be at the regular rate referenced above. This APR will vary with the market, based on the Prime Rate.*
Penalty APR and When It Applies 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 shopping for and using credit cards, visit the Consumer Financial Protection Bureau's website at:
Annual Fee NONE
Transaction Fees  
Balance Transfer NONE
Cash Advance NONE
Foreign Transaction in US Dollars 1.00% of all transactions, in U.S. dollars.
Penalty Fees  
Over-the-Credit Limit NONE
Late Payment $10.00 if payment is received more than 10 days after its due date.
Returned Payment $20.00
Convenience Check Non-Sufficient Funds (NSF) $20.00
Other Fees  
Card Replacement $10.00
Card Replacement Rush $35.00
PIN Replacement $10.00
PIN Replacement Rush $35.00
Convenience Check Stop Payment $15.00
Pay-by-Phone $5.00
Statement Copy Fee $5.00 (First three statement copies are free)
Document Copy Fee $10.00
Design Your Own Card $10.00

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


*The rate for purchases, cash advances and balance transfers may vary as it is determined quarterly and will equal the US Prime Rate plus a margin of 6.00%; the rate will not be more than 18.00%. The Prime Rate is the highest bank prime rate as published in the Wall Street Journal's Money Rates section on the first day of the previous month prior to the change date.   CEFCU may adjust your rate four times a year on the January, April, July, and October billing cycle.

All credit subject to approval.

CEFCU is an Equal Opportunity Lender.