Credit Card Disclosures

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 in this application is accurate as of May 15, 2019. This information may have changed after the date. To find out what may have changed, contact the Credit Union (800) 589-1079.

For California Borrowers: The standard MasterCard and Gold MasterCard are secured credit cards. Credit extended under this credit card account is secured by various personal property and money including, but not limited to: (a) any goods you purchase with this account. (b) any shares you specifically pledge as collateral for this account on a separate Pledge of Shares,(c) all shares you have in any individual or joint account with the Credit Union excluding shares in an Individual Retirement Account or in any other account that would lose special tax treatment under state or federal law, and (d) collateral securing other loans you have with the Credit Union excluding dwellings. notwithstanding the foregoing, you acknowledge and agree that during any periods when you are a covered borrower under the Military Lending Act your credit card will be secured by any specific Pledge of Shares you grant us but will not be secured by all shares you have in any individual or joint account with the Credit Union. for clarity, you will not be deemed a covered borrower if: (i) you establish your credit card account when you are not a covered borrower; or (ii) you cease to be a covered borrower.

These are costs associated with the use of a credit card information about costs, rates and fees may be contained in disclosures provided with this application or by calling us toll-free or collect at (800) 589-1079 or writing to us at the address stated: Sunrise Family Credit Union, 404 S. Euclid Ave., Bay City, MI 48706 fax: (989) 606-2552 www.sunrisefamilycu.org

FOR LOST OR STOLEN CREDIT CARDS 866-820-4958

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 in this application is accurate as of: June 2, 2023
This information may have changed after that date. To find out what may have changed, contact the Credit Union.

For California Borrowers, the Standard MasterCard and Gold MasterCard are secured credit cards. Credit extended under this credit card account is secured by various personal property and money including, but not limited to: (a) any goods you purchase with this account, (b) any shares you specifically pledge as collateral for this account on a separate Pledge of Shares, (c) all shares you have in any individual or joint account with the Credit Union excluding shares in an Individual Retirement Account or in any other account that would lose special tax treatment under state or federal law, and (d) collateral securing other loans you have with the Credit Union excluding dwellings.

Notice to New York Residents:
New York residents may contact the New York State Department of Financial Services to obtain a comparative listing of credit card rates, fees, and grace periods. The New York State Department of Financial Services may be contacted at 1-800-342-3736 or www.dfs.ny.gov.

Other Fees & Disclosures:

Late Payment Fee:
$25.00 or the amount of the required minimum payment, whichever is less, if you are 10 or more days late in making a payment.

Returned Payment Fee:
$25.00 or the amount of the required minimum payment, whichever is less.

Card Recovery Fee:
None.

Card Replacement Fee:
$10.00.

Document Copy Fee:
$2.00.

Emergency Card Replacement Fee:
$25.00.

PIN Replacement Fee:
None.

Rush Fee:
$25.00.

Statement Copy Fee:
$2.00.

Unreturned Card Fee:
None.

Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.