CO-OP Shared Branch


CU2U



 

Grossmont Schools Federal Credit Union - Effective April 1, 2014

VISA Credit Cards
Annual Percentage Rate (APR)
for Purchases
Classic &
Share Secured

12.50%
Platinum
with CU Rewards

11.50%

Platinum*(1)
 Choice
 
8.25%
to|
17.50%
*The Platinum Choice APR may vary with the market based on the Prime Rate
APR for Balance Transfers
Classic &
Share Secured

12.50%
Platinum
with CU Rewards

11.50%

Platinum*(1)
Choice
 
8.25%
to
17.50%
*The Platinum Choice APR may vary with the market based on the Prime Rate
APR for Cash Advances
Classic &
Share Secured

12.50%
Platinum
with CU Rewards

11.50%

Platinum*(1)
Choice
 
8.25%
to
17.50%
Penalty APR and when it applies 17.50%
This APR may be applied to your account when payment becomes 61 days past due.
How long will the penalty APR Apply? If your APR is increased for this reason, the Penalty APR will apply until you make six consecutive minimum payments when due.
How to Avoid Paying Interest on Purchases
Your due date is at least 25 days after the close of the billing cycle.
Minimum Interest Charge
None
For Credit Card tips from the Federal Reserve Board
To learn more about factors to consider when applying for or using a credit card, visit the website of the Federal Reserve Board at: http://www.federalreserve.gov/creditcard
Fees
Annual Fee None
Transaction Fees
Balance Transfer
Cash Advance
Foreign Transactions

None
1% of the amount of each cash advance
None
Penalty Fees
Late Payment
Returned Payment
Over-the-Credit-Limit

$15.00 after 5 days late
$20.00
None, you may not exceed your credit limit.
Other Fees
Card Replacement
Overnight Card/PIN replacement
Account Research

$5.00
$15.00

$15.00 per hour

How We Will Calculate Your Balance: We use a method called average daily balance (including new purchase).
(1) Rate differential on VISA Platinum Choice based on credit score.
The above information is current as of 7-1-10 and is subject to change after that date. Please contact us at 1069 Graves Avenue, Suite 100, El Cajon, CA 92021- 4573 or (619) 588-1515, if you wish to ascertain changes, if any, to the Credit Unions VISA Credit Card Program.
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Co-Op Visa Verified NCUA - Your Savings Federally insured to at least $250,000 and backed by the full faith and credit of the United States Government.  National Credit Union Administration, a U.S. Government Agency. HUD