Argonne Credit Union

Accounts & Services

Accounts & Services


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

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Annual Percentage Rate (APR) for purchases

6.15%-14.15% 1 9.15%-17.15% 1

Other APRs

Cash Advance APR:6.15%-14.15%

6 Month Balance Transfer APR
3.99%2, after that 6.15%-14.15%  

Cash Advance APR:9.15%-17.15%

6 Month Balance Transfer APR
3.99%2, after that 9.15%-17.15%  

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.

Grace period for repayment
of the balances for purchases

25 days on average

Method of computing the
balance for purchases

Average daily balance method
(including new purchases)

Average daily balance method
(including new purchases)

Annual Fees

None

None

Minimum finance charge

$.50

$.50

Balance transfer fee

None

Transaction fee for cash advance

1.5% of the amount advanced

1.5% of the amount advanced

Late Payment fee

$25

$25

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%.

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