Credit Cards

How We Will Calculate Your Balance:

We use a method called “average daily balance (including new purchases).”

Effective Date:

The information about the costs of the cards described in this application is accurate as of April 1, 2026. This information may have changed after that date. To find out what may have changed, contact the credit union.

Military Lending Act Disclosure:

Federal law provides important protections to members of the Armed Forces and their dependents relating to extensions of consumer credit. In general, the cost of consumer credit to a member of the Armed Forces and his or her dependent may not exceed an annual percentage rate of 36 percent. This rate must include, as applicable to the credit transaction or account:  The costs associated with credit insurance premiums; fees or ancillary products sold in connection with the credit transaction; any application fee charged (other than certain application fees for specified credit transactions or accounts); and any participation fee charged (other than certain participation fees for a credit card account). Please call us at (800) 721-2242 to receive oral disclosure of the Military Lending Act disclosure and a description of the payment obligation.

Other Disclosures:

Late Payment Fee – $25 of the amount of the required minimum payment, whichever is less, if you are ten (10) or more days late in making a payment.

Returned Payment Fee – $25 of the amount of the required minimum payment, whichever is less.

Document Copy Fee – $6.00