Interest Rate and Interest Charges

Annual Percentage Rate (APR) for purchases

VISA Classic

15.99%

VISA gold

12.99%

APR for Balance Transfers

VISA Classic: 15.99%

VISA Gold: 12.99%

APR for Cash Advances

VISA Classic

15.99%

VISA Gold

12.99%

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.

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

Annual Fee

NONE

Transaction Fees

• Balance Transfer Fee
• Cash AdvanceFee
• Foreign TransactionFee

None

None

1.00% of each multiple currency transactions in US dollars

1.00% of each single currency transaction in US dollars

Penalty Fees

•Late Payment Fees

•Over-the-credit-limit fee

None

None

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 cards described in this application is accurate as of June 1, 2024.

This information may have changed after that date. To fine out what may have changed, contact the credit union

Balance Transfer Terms and Conditions: We will transfer balanced up to 90% of your approved limit. Any amount currently subject to a billing dispute should not be transferred since the transfer may jeopardize your dispute rights. If you currently have any amount(s) in a billing dispute, we recommend that they not be transferred.

Completeyourbalancetransferformtohavebalancestransferredtoyouraccount: Yoursignatureonthebalancetransferformwillauthorizeustomake the transfer. Pleaseallowfourweeksforbalancestobetransferred.Youshouldcontinuetopaytheminimummonthlyamountonyourotheraccountsuntil thebalanceshavebeentransferredtoyouraccount.MaineStateCreditUnionisnotresponsibleforanypayments,financecharges,disputedamountsor errors on your other accounts. Transferring balances will NOT automatically close your other accounts, please write each creditordirectly.

Information about balances transfer to your account: Interest charges will accrue on transferred balances as of the date they are posted to your Account, until the date they are paid in full.