Credit Card:
Application and Solicitation Disclosure

Interest Rates and Interest Charges
Annual Percentage Rate (APR*) for Purchases7.95% to 18.00% based on your creditworthiness for a Visa Platinum.
10.95% to 18.00% based on your creditworthiness for a Classic or Standard MasterCard.
12.95% to 18.00% based on your creditworthiness for a Visa Signature Reward.
APR* for Balance Transfers7.95% to 18.00% based on your creditworthiness for a Visa Platinum.
10.95% to 18.00% based on your creditworthiness for a Classic or Standard MasterCard.
12.95% to 18.00% based on your creditworthiness for a Visa Signature.
APR* for Cash Advances7.95% to 18.00% based on your creditworthiness for a Visa Platinum.
10.95% to 18.00% based on your creditworthiness for a Classic or Standard MasterCard.
12.95% to 18.00% based on your creditworthiness for a Visa Signature Reward.
Minimum Interest ChargeNone.
How to Avoid Paying Interest on PurchasesYour 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 BoardFor Credit Card Tips from the Consumer Protection Bureau or to learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at www.consumerfinance.gov/learnmore.
Fees
Set-up and Maintenance Fees
Annual FeeNone
Application FeeNone
Participation Fee None
Transaction Fees
Balance Transfer FeeNone
Cash Advance FeeNone
Foreign Transaction Fee 1.00% of each single and multiple currency transaction in U.S.
Penalty Fees
Late Payment FeeYour minimum monthly payment or $25, whichever is less (if over five days late).
Over-the-Credit-Limit FeeNone
Returned Payment FeeYour minimum monthly payment or $25, whichever is less.
Other Fees
Rush Fee$25
Card Replacement Fee$10 for first replacement, $25 for second replacement, $50 for third replacement

FSU Credit Union uses a method called “average daily balance” (including new purchases) to calculate your balance. See your account Agreement for more details. The information about the costs of the card described in this application is accurate as of January 1, 2016. This information may have changed after that date. To find out what may have changed, contact FSU Credit Union.

*APR= Annual Percentage Rate. You must be eligible for membership and approval for a loan to participate. Loan rates and terms vary depending on your credit score and loan history. Please see a credit union representative for complete details.