|Annual Percentage Rate (APR) for Purchases, Cash Advances, and Balance Transfers||9.74% APR|
This APR will vary with the market based on the Prime Rate.*
|How to Avoid Paying Interest on Purchases|
Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month.
|Minimum Interest Charge||None|
|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 (By clicking on this link, you will be leaving our website.)|
|Transaction Fee for Cash Advances and Balance Transfers|
(Finance charges for cash advances begin to accrue from the date of the advance.)
|LATE PAYMENT FEE||Up to $10.00|
|Replacement card fee||$10.00|
|daily use limit|
$10,000 a day (Subject to your approved credit limit.)
|minimum payment||4% of new balance or $10, whichever is greater.|
|LATE PAYMENT FEE||$10.00 or the amount of the required minimum payment, whichever is less, if you are ten or more days late in making a payment..|
*The APR will be determined by adding a regular margin of 5.99% to the Prime Rate published in the Wall Street Journal on the 15th of March, June, September, and December (or if the 15th is a Saturday, Sunday, or holiday, the next business day.) Any change in the rate will go into effect on the first day of your new billing cycle beginning after the 1st of April, July, October, and January, and may result in an increase or decrease in the FINANCE CHARGE imposed on your account.
The information about the costs of the card described in this application is accurate as of January 1, 2017. This information may have changed after that date. To find out what may have changed, call us at 715-627-4336 or 1-800-398-2667 or write us at CoVantage Credit Union, PO Box 107, Antigo, WI 54409.