Rates
Loan Rates Share Rates Share Certificates Fee Schedule Credit Card Rates and Fees
Effective as of: 8/25/2021
| MasterCard Credit Cards | ||
| Choose the Plan that Works for You | ||
| Standard | Platinum | |
| Annual Percentage Rate (rates fixed) | 10.9% | 8.9% |
| Other APR (cash advance | 10.9% | 8.9% |
| Grace Period for Purchases | 25 Days | 25 Days |
| Method of Computing Balance | Average Daily Balance | Average Daily Balance |
| Annual Membership Fee | NONE | NONE |
| Minimum Finance Charge | NONE | NONE |
| Foreign Transaction Fee | 1% of transaction amount | 1% of transaction amount |
| Balance Transfer Fee | NONE | NONE |
| Late Payment Fee | 10% of the past due date* | 10% of the past due date* |
| Over-the-Credit-Limit Fee | NONE | NONE |
| *If ten (10) or more days late. Late payments and over-limit transactions violate your account agreement. However, the fee will not exceed $20.00. | ||
| Periodic Rates | ||
| Standard: The Purchase and Cash Advance Annual Percentage Rate is 10.90%, which is a daily periodic rate of 0.0299%. | ||
| Platinum: The Purchase and Cash Advance Annual Percentage Rate is 8.90%, which is a daily periodic rate of 0.0244%. | ||
| Other Fees Include | ||
| Returned Payment Fee: $25.00 or the amount of the required minimum payment, whichever is less. | ||
| Rush Fee (2 day delivery): $27.50 | ||
| Rush Fee (Overnight delivery): $55.00 | ||
| Collection Fees: You agree to pay all costs of collecting the amount you owe under this Agreement, including court costs and reasonable attorney’s fees | ||
| UChoose Rewards | ||
| A Platinum Cardholder Reward Program Like to collect points? Reward yourself with some great items? Use your Platinum Rewards credit card anywhere and earn points for each dollar spent. Choose from things like travel, cash, merchandise or gift cards. Earn extra points when you use your Platinum Rewards credit card at participating retailers listed on the Uchoose Rewards website. Sign in to UChoose Rewards | ||
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