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| Credit Card Rates, Fees and Disclosures |
| Interest Rates and Interest Charges |
| Annual Percentage Rate (APR) for Purchases |
Visa Platinum
7.99% to 17.99%, when you open your account, based on your credit worthiness. This APR will vary with the market based on the Prime Rate.
Visa Secured
12.99%
This APR will vary with the market based on the Prime Rate. |
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| APR for Balance Transfers |
Visa Platinum
1.99% to 7.90% Introductory APR for a period of six (6) billing cycles based on your credit worthiness. |
After that your APR will be 7.99% to 17.99% , based on your credit worthiness. This APR will vary with the market based on the Prime Rate.
Visa Secured
12.99%
This APR will vary with the market based on the Prime Rate. |
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| APR for Cash Advances |
Visa Platinum
7.99% to 17.99%, when you open your account, based on your credit worthiness. This APR will vary with the market based on the Prime Rate.
Visa Secured
12.99%
This APR will vary with the market based on the Prime Rate. |
| How to Avoid Paying Interest on Purchases |
Your due date is at least 25 days after the close of each billing cycle. We do not charge you any interest on purchases if you pay your entire balance by the due date each month. |
| 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 Web site of the Consumer
Financial Protection Bureau at http://www.consumerfinance.gov/learnmore. |
| Fees |
Transaction Fees
Foreign Transaction Fee
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1.00% of each transaction in U.S. dollars |
Penalty Fees
Late Payment Fee
Returned Payment Fee
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up to $25
up to $25 |
Important Changes Regarding Patriot VISA® Platinum and VISA® Secured Credit Cards
As a result of a recent court settlement between retailers and VISA® and MasterCard®, merchants may pass along their payment processing costs to consumers who pay with a credit card beginning January 27, 2013. Click here for frequently asked questions and answers on this topic.
How We Will Calculate Your Balance. We use a method called "average daily balance (including new purchases)."
Effective Date.
The information about the costs of the card described here is accurate as of January 1, 2013.
This information may have changed after that date. To find out what may have changed, contact the credit union.
| OTHER
DISCLOSURES |
| Late Payment Fee |
| $25.00 or the amount of the required minimum payment, whichever is less. If you are one (1) or more days late in making a payment. |
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| Returned Payment Fee |
| $25.00 or the amount of the required minimum payment, whichever is less. |
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| Statement Copy Fee |
$5.00 |
| Rush Fee |
$35.00 |
| Emergency Card Replacement Fee |
$60.00. |
| Card Replacement Fee
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$5.00 |
| Pay-by-Phone Fee |
$5.00 by check
$10.00 by debit or credit card |
| Research Fee
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$25.00 per hour;
$25.00 minimum |
To apply, call 888-777-9982, or apply online
and/or download and fill out a balance transfer form and bring it to any Patriot branch office.
To download an application, click here. |
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Toll Free (888) 777-9982
800 Wayne Avenue • Chambersburg • PA 17201
© 2013 Patriot Federal Credit Union
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