ACU VISA® Credit Card Disclosures
Platinum | Platinum Rewards | Print a Balance Transfer Form | Payment Options | Agreement
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Current ACU Cardholders | New Accounts
| Platinum | Platinum Rewards | ||
|
Annual Percentage Rate (APR) for purchases |
6.15%-14.15% 1 | 9.15%-17.15% 1 | |
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Other APRs |
Cash Advance APR:6.15%-14.15% |
Cash Advance APR:9.15%-17.15% |
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Variable Rate Information |
Your APR may vary. The rate for purchases, cash advances, and balance transfers after six months is determined monthly by adding Prime + 2.9%-10.9% to the Prime Rate3. |
Your APR may vary. The rate for purchases, cash advances, and balance transfers after six months is determined monthly by adding Prime + 5.9%-13.9% to the Prime Rate3. | |
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Grace period for repayment |
25 days on average |
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Method of computing the |
Average daily balance method |
Average daily balance method |
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Annual Fees |
None |
None |
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Minimum finance charge |
$.50 |
$.50 |
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Balance transfer fee |
None |
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Transaction fee for cash advance |
1.5% of the amount advanced |
1.5% of the amount advanced | |
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Late Payment fee |
$25 |
$25 |
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Returned Check Fee: $27.50
Grace Period for Cash Advances: No grace period
Card Replacement Fee: $5.00
1 Rate based on applicant's credit score.
2 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.
3 The U.S. Prime Rate as published in the Wall Street Journal as of the last day of each month preceding each billing cycle (the "index"). Prime Rate according to the Wall Street Journal as of 12/16/08 was 3.25%.
