VISA® Classic Credit Card Disclosure

Annual Percentage Rate (APR) for Purchases, Cash Advances and Balance Transfers9.25%
This APR will vary with the market based on the Prime Rate.
Penalty APR and When It AppliesNONE
How To Avoid Paying Interest on PurchasesYour 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 ChargeNONE
For Credit Card Tips from the Consumer Financial Protection BureauTo learn more about shopping for and using credit cards, visit the Consumer Financial Protection Bureau's website at: www.consumerfinance.gov/learnmore.
Fees 
Annual FeeNONE
Transaction Fees  
Balance TransferNONE
Cash AdvanceNONE
Foreign Transaction in US Dollars1.00% of all transactions, in U.S. dollars.
Penalty Fees  
Over-the-Credit LimitNONE
Late Payment$10.00 if payment is received more than 10 days after its due date.
Returned Payment$20.00
Other Fees  
Card Replacement$10.00
Card Replacement Rush$35.00
PIN Replacement$10.00
PIN Replacement Rush$35.00
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)."

 All credit subject to approval.

CEFCU is an Equal Opportunity Lender.