Visa Additional Federal Disclosure Table
|Additional Federal Disclosure Table|
|Annual Percentage Rate (APR) for Purchases, Balance Transfers, and Cash Advances|
|DCU VISA||9.50% 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 Rewards VISA||12.25% 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||12.50%. After that, your APR will vary with the market based on Prime Rate*.|
|Penalty APR (Delinquency) and When it Applies||18.00%
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||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 web site of the Consumer Financial Protection Bureau at:
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.
Please refer to DCU's VISA Credit Card Agreement and Federal Truth-in-Lending Disclosure Statement.