Loan Rates

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.

All Rates Quoted "As Low As"
APR = Annual Percentage Rate