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| 4U CREDIT CARD | Visa |
| Annual Percentage Rate for Purchases | 10.15% |
| Annual Percentage Rate for Cash Advances | 10.15% |
| Annual Percentage Rate for Balance Transfers | 10.15% |
| Minimum finance charge | None |
| Foreign transaction fee | 1.00% in U.S. dollars |
| Late payment fee | $30.00 |
| Returned payment fee | $25.00 |
| Statement copy fee | $5.00 |
| Document copy fee | $5.00 |
| Rush fee | $20.00 |
| Emergency card replacement fee | $20.00 |
| Unreturned card fee | $5.00 |
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| Credit Card Rates 4U CREDIT CARD Visa Annual Percentage Rate for Purchases 10.15% Annual Percentage Rate for Cash Advances 10.15% Annual Percentage Rate for Balance Transfers 10.15% Minimum finance charge None Foreign transaction fee 1.00% in U.S. dollars Late payment fee $30.00 Returned payment fee $25.00 Statement copy fee $5.00 Document copy fee $5.00 Rush fee $20.00 Emergency card replacement fee $20.00 Unreturned card fee $5.00 *Your due date is at least 25 days after the close of each billing cycle. We do not charge you interest on purchases if you pay your entire balance by the due date each month. |
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| We use a method called "average daily balance (including new purchases)" to calculate your balance due. |
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| Effective Date - The information about the costs of the card described in the above information is accurate as of June 1,2023. This information may have changed after that date. To find out what may have changed, contact the Credit Union. |
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| For more credit card tips and to learn more about factors to consider when applying for or using a credit card visit the Federal Reserve Board's website at www.federalreserve.gov/creditcard |
