Please review the card information below to determine the card you wish to apply for and click "I Agree" at the bottom of the table to complete your online application.
Interest Rates and Interest Charges
Platinum
Platinum Rewards
Annual Percentage Rate (APR) for Purchases
Your APR will be 6.15%-14.15% based on your creditworthiness. This APR will vary with the market based on the US Prime Rate as published in the Wall Street Journal as of the last day of each month preceding each billing cycle (the “index”).
Your APR will be 9.15%-17.15% based on your creditworthiness. This APR will vary with the market based on the US Prime Rate as published in the Wall Street Journal as of the last day of each month preceding each billing cycle (the “index”).
APR for Cash Advances
Your APR will be 6.15%-14.15% based on your creditworthiness. This APR will vary with the market based on the US Prime Rate as published in the Wall Street Journal as of the last day of each month preceding each billing cycle (the “index”). There is no grace period for cash advances.
Your APR will be 9.15%-17.15% based on your creditworthiness. This APR will vary with the market based on the US Prime Rate as published in the Wall Street Journal as of the last day of each month preceding each billing cycle (the “index”). There is no grace period for cash advances.
APR for Balance Transfers
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
Set-up and Maintenance Fees
None None
Transaction Fees
1.5% of the amount of each cash advance, with a maximum of $50. 1.00% of the amount of the transaction in U.S. dollars
Penalty Fees
$25 $27.50
How We Will Calculate Your Balance - We use a method called “average daily balance (excluding new purchases).” Effective Date - The information about the costs of the card described in this application is accurate as of June 30, 2010. This information may have changed after that date. To find out what may have changed, contact us at 866-I-OWN-ACU or visit www.iownacu.com. OTHER DISCLOSURES Card Replacement Fee: $5.00 Rush Card Fee: $25.00 Rush PIN Fee: $35.00
