Specials

Promotional Image - Woman in the snow - "Blow away that high interest rate" - 3.88% APR* Visa Transfer Special - Special runs January 1st through March 31st, 2018.

To take advantage of this special, apply now and you will be contacted by a team member with more information.

Select ‘Visa’ as your loan type and click ‘Continue’ to complete your application.

Commodore Perry FCU VISA Balance Transfer Promotion Disclosures
INTEREST RATES AND INTEREST CHARGES
Variable Annual Percentage Rate (APR) for Purchases 7.15% to 18.00% when you open your account, based on your creditworthiness. After that this APR will vary with the market based on the Prime Rate.
APR for Balance Transfers during Promotional Period 3.99% when you open your account during the Balance Transfer Promotional Period (January 1, 2018 – March 31, 2018).
APR for Balance Transfers after Promotional Period 9.15% to 18.00% based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
APR for Cash Advances 9.15% to 18.00% based on your creditworthiness. 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 If you are charged interest, the charge will be no less than $1.00
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
Set-up and Maintenance Fees

·   Annual Fee

·   Program Fee

·   Participation Fee

 

·  None

·  None

·  None

Transaction Fees

·   Balance Transfer Fee (during Promotional Period)

·   Balance Transfer Fee (after Promotional Period)

·   Foreign Transaction Fee

 

·   None

 

·  $25.00 or 3.00% of the amount of each balance transfer, whichever is greater (Maximum Fee: $25.00)

·  2.00% of each transaction is U.S. dollars.

 

Penalty Fees

·   Late Payment Fee

·   Over-the-Credit Limit Fee

·   Returned Payment Fee

 

 

·  Up to $25.00

·  Up to $25.00

·  Up to $25.00

 

 

How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).”

Minimum Interest Charge: The minimum interest charge will be charged on any dollar amount.

Effective Date: This information about the costs of the card and the Promotional Offer described above is accurate as of December 5, 2016. This information may have changed after that date. To find out what may have changed, contact the Credit Union.

The Ohio laws against discrimination require that all creditors make credit equally available to all credit worthy customers, and that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio Civil Rights Commission administers compliance with this law.

OTHER DISCLOSURES

Late Payment Fee: $25.00 or the amount of the required payment, whichever is less, if you are one or more days late in making a payment.

Over-the-Credit Limit Fee: $25.00 or the amount of the transaction exceeding your credit limit, whichever is less.

Returned Payment Fee: $25.00 or the amount of the required minimum payment, whichever is less.