Interest Rates and Interest Charges |
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Annual Percentage Rate (APR) for Purchases |
Your APR will be 12.15% - 21.15%, based on your creditworthiness. This APR will vary with the market based on the US Prime Rate. |
APR for Cash Advances |
Your APR will be 12.15% - 21.15%, based on your creditworthiness. This APR will vary with the market based on the US Prime Rate. |
APR for Balance Transfers |
1.99% Introductory APR* for a period of six (6) billing cycles. After that your APR will be 12.15% - 21.15% based on your creditworthiness. This APR will vary with the market based on the US Prime Rate. |
Minimum Interest Charge |
$0.50 |
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 interest on purchases if you pay your entire balance by the due date each month. |
For Credit Card Tips from the Federal Reserve Board |
To learn more about the factors to consider when applying for or using a credit card, visit www.federalreserve.gov/creditcard. |
Fees |
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Set-up and Maintenance Fees
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Transaction Fees
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Penalty Fees
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$25 |
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 April 26, 2017. This information may have changed after that date. To find out what may have changed, contact us at 866-469-6228 or visit www.idmyway.com/charge/ OTHER DISCLOSURES Card Replacement Fee: $5.00 Rush Card Fee: $25.00 Statement Copy Fee: $5.00 * Does not apply to existing ACU balances or convenience checks, must be $100 or more to qualify, and has no grace period on finance charges. |