Annual Percentage Rate (APR) for Purchases, Balance Transfers, and Cash Advances
10.75% to 18.00% when you open your account, based on your credit-worthiness. After that, your APR will vary with the market based on Prime Rate*.
DCU Rewards VISA
13.50% to 18.00% when you open your account, based on your credit-worthiness. After that, your APR will vary with the market based on Prime Rate*.
DCU Secured VISA
13.75%. After that, your APR will vary with the market based on Prime Rate*.
Penalty APR (Delinquency) and When it Applies
This APR may be applied to your account if you make a late payment.
How Long Will the Penalty APR Apply?
If your APR is increased for this reason, the Penalty APR will apply until you have made six consecutive payments (minimum or higher) when due, beginning with the first payment due following the effective date of the change.
How to Avoid Paying Interest on Purchases
Your due date is approximately 25 days after the close of each billing cycle. We will not charge you interest on purchases if you pay your entire balance by the due date each month.
Minimum Interest Charge
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 web site of the Consumer Financial Protection Bureau at: consumerfinance.gov/learnmore/.
Transaction Fees: Balance Transfer Cash Advance Foreign Currency Transaction
NONE NONE NONE
Penalty Fees: Late Payment Overlimit
Up to $35.00 per occurrence NONE
Rates are effective .
How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)".
* The Prime Rate used to determine your APR is the Prime Rate as published in the Wall Street Journal at the end of the month immediately preceding the start of each billing cycle.