| Interest Rates and Interest Charges |
| Visa® |
| Annual Percentage Rate (APR) for Purchases |
0.00% Introductory APR for twelve months.
After that, your APR will be
8.90% to 14.90% based on your creditworthiness. |
| APR for Balance Transfers |
0.00% for first twelve months of each balance transfer. |
After that, your APR will be
8.90% to 14.90% based on your creditworthiness. |
| APR for Cash Advances |
8.90% to 14.90% based on your creditworthiness. |
| Penalty APR and When it Applies |
Not Applicable |
| 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 interest on purchases if you pay your entire balance by the due date each month. |
| 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. |
|
| Fees |
| Annual Fee |
None |
Transaction Fees
- Cash Advance |
None |
Transaction Fees
- Balance Transfer |
None |
Transaction Fees
- Foreign Transaction |
None |
Penalty Fees
- Late Payment |
Up to $25 |
Penalty Fees
- Returned Payment |
Up to $25 |
We use a method called "average daily balance (including new purchases)."
The information about the costs of the cards described in this application is accurate as of April 1, 2020.
This information may have changed after that date. To find out what may have changed, please write to
us at Advancial Federal Credit Union, Lending Department, 1845 Woodall Rodgers Fwy, Suite 1300,
Dallas, TX 75201-9573 or call us at 800.322.2709.