Commodore Perry Visa Credit Card Disclosures

INTEREST RATES AND INTEREST CHARGES
Variable Annual Percentage Rate (APR) for Purchases	Visa Platinum: 12.40% to 18.00% when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.   Visa Secured: 18.00% This APR will vary with the market based on the Prime Rate.
APR for Balance Transfers	Visa Platinum: 14.40% to 18.00% based on your creditworthiness. This APR will vary with the market based on the Prime Rate.   Visa Secured: 18.00% This APR will vary with the market based on the Prime Rate.
APR for Cash Advances	Visa Platinum: 14.40% to 18.00% based on your creditworthiness. This APR will vary with the market based on the Prime Rate.   Visa Secured: 18.00% 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.
Fees
Set-up and Maintenance Fees   ·   Annual Fee ·   Program Fee ·   Participation Fee	·  None   ·  None ·  None
Transaction Fees   ·   Balance Transfer Fee ·   Foreign Transaction Fee	·  $25.00 or 3.00% of the amount of each balance transfer, whichever is greater (Maximum Fee: $25.00)   ·  2.00% of each transaction in 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 above is accurate as of August 1, 2023. 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.

Rates effective 8/1/2023