Consumers Credit Union

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800.991.2221

 

PO Box 525
Oshtemo, MI 49077-0525

 

Routing # 272481839

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Credit Card Terms

 

The following disclosure represents important details concerning your credit card. The information about costs of the card is accurate as of 4/24/2014. You can contact us toll free at (800) 991-2221 or Consumers Credit Union, PO Box 525, Oshtemo, MI 49077 or 7040 Stadium Drive, Kalamazoo, MI 49009 to inquire if any changes occurred since the effective date.

 

INTEREST RATES and INTEREST CHARGES:

Low Rate MasterCard®

Rewards MasterCard®

Annual Percentage Rate (APR) for Purchases

8.99% – 21.99%
depending on your credit history. This APR will vary with the market based on the Prime Rate.

9.99% – 21.99%
depending on your credit history. This APR will vary with the market based on the Prime Rate.

APR for Cash Advances

8.99% – 21.99% depending on your credit history.

9.99% – 21.99% depending on your credit history.

APR for Balance Transfers

8.99% – 21.99% depending on your credit history.

9.99% – 21.99% depending on your credit history.

Penalty APR and When it Applies

22.99%

This APR may be applied to your account if you make a payment that is late 60 days or more.

How Long Will the Penalty APR Apply? If we increase your APRs due to a late payment, we may keep them at this higher level on existing and new balances until you make six consecutive on–time payments.

Paying Interest

Your due date is at least 21 days after we mail your billing statement. We will not charge you interest on purchases if you pay your entire new purchase balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date.

For Credit Card Tips from the Consumer Financial Protection Bureau

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 http://www.consumerfinance.gov/learnmore

FEES:

Low Rate MasterCard®

Rewards MasterCard®

Fees to Open or Maintain Your Account

None

None

Transaction Fees

2% of the amount of each cash advance with a minimum of $5.00

 

2% of each transaction in U.S. dollars regardless of whether the transaction involves a currency conversation and

0.008% of the Issuer Settlement Amount and

0.002% of the Issuer Settlement Amount if there is a currency conversion.

Penalty Fees

Up to $25.00 if your payment is late.

 

None

 

Up to $25.00 if your payment is returned for any reason.

How We Will Calculate Your Balance: We use a method called ‘average daily balance (including new purchases).’

Loss of Introductory Rate: We may end your Introductory Rate and apply the Penalty APR disclosured above if you make a late payment.

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