AmeriCU Credit Card Terms Platinum VISA® VISA® Gold Classic VISA® MasterCard®
Annual Percentage Rate (APR)
7.9% Fixed APR
10.9% Fixed APR 13.9% Fixed APR 12.9%Fixed APR
• Purchases
• Balance Transfer APR
7.9% Fixed APR
10.9% Fixed APR
13.9% Fixed APR
12.9% Fixed APR
• Cash Advance APR
15.9% Fixed APR
15.9% Fixed APR
17.9% Fixed APR
17.9% Fixed APR
• Default Penalty APR*
17.9% Fixed APR
17.9% Fixed APR
17.9% Fixed APR
17.9% Fixed APR
Annual Fee
None
None
None
$12**
Grace period for repayment of
purchase balances
25 days
Method of computing balances
for purchases
Average Daily Balance (excluding new purchases)
Minimum Finance Charge
$0.50
$0.50
$0.50
$0.50
Cash Advance Fee
None
None
None
None
Late Payment Fee
$25
$25
$20
$20
Over-the-credit-limit Fee (105%)
$25
$25
$20
$20
Foreign Transaction Fee
1% of the U.S. dollar amount of the transaction
Minimum Payment: $10 or 1/48th of balance, whichever is greater. Non-sufficient fund (NSF) fee: $25.00 fee on pre-authorized debit or returned check due to NSF.
*Explanation of Default Penalty APR: If you are in default, your Annual Percentage Rate will be 17.9%. Your account will be considered in default if your payment is 60 days past due and has
not been received by the payment due date. This default rate will be effective starting with the next billing period following your default. Your Annual Percentage Rate will remain 17.9% until your
account has been paid on time for three (3) consecutive billing periods, after which the annual percentage rate will revert back to the applicable APR in the above chart.
**Annual Fee will be waived for members age 62 and older. New York Residents may contact the New York State Banking Department to obtain a comparative listing of Credit Card rates, fees and
grace periods. New York State Banking Department 1.800.518.8866
Account ID#
Please Select: n Platinum VISA®
n VISA® Gold
n Classic VISA®
n MasterCard®
Line of Credit:
$5,000 - $40,000
$2,500 - $25,000
$500 - $5,000
$500 - $5,000
Credit Line Requested: $
In some instances you may r