Credit Card Rates

MTC Federal Credit Union  Disclosure Information	VISA® Platinum®
INTRODUCTORY APRs* Purchase APR Cash Advance ARP Balance Transfer APR   *APR = Annual Percentage Rate	Purchases APRs:  6.9%, 8.9%, 12.9%, 14.9% based on creditworthiness** Cash Advance APRs: based on credit worthiness** Balance Transfer APRs: based on creditworthiness** Penalty APR:  Two (2) cycles delinquent, APR reverts to the standard APR.  **Promotional rates are good for 12 months on transactions posted within one (1) month from the date that your new credit card account is opened.  After this promotion period, your new rate will be the standard APR.  (See cardholder agreement for details.)
STANDARD APRs Purchase APR Cash Advance APR Balance Transfer APR Penalty APR	Purchases APRs: 8.9%, 10.9%, 14.9% or 16.9% based on creditworthiness Cash Advance APRs: 8.9%, 10.9%, 14.9% or 16.9% based on creditworthiness Balance Transfer APRs: 8.9%, 10.9%, 14.9%, 16.9% based on creditworthiness
Grace Period for Repayment of Balances for Purchases	You will have a minimum of 25 days without a finance charge on new purchases if the total new balance is paid in full each month by the payment due date.
Method of computing the balance for purchases and cash advances	Purchases: Average Daily Balance Method - Interest is calculated, billed and reported at cycle time. Cash Advances: Average Daily Balance Method - Interest is calculated, billed and reported from date of transaction.  (See cardholder agreement for details.)
Minimum Finance Charge	None
Annual Fee	None
Cash Advance Fee	3%, $5 minimum, $30 maximum
Other Fees	Late Payment Fee:  up to $25 Balance Transfer Fee:  None Returned Check Fee: up to $25 Card Replacement Fee:  $5 PIN Replacement Fee:  $3 Foreign Transaction Fee:  1% of transaction

See cardholder agreement disclosure for complete details.