![Logo](https://www.lcfcu.org/wp-content/themes/ncr-child-theme/images/img-logo.png"){kind=logo}
![Logo](https://www.lcfcu.org/wp-content/themes/ncr-child-theme/images/img-logo-icon.png"){kind=icon}
| LCFCU Visa Card Disclosure | |
| Annual Percentage Rate for Purchases: | 9.75% APR |
| Annual Percentage Rate for Cash Advances: | 8.75% APR |
| Annual Percentage Rate for Balance Transfers: | 8.75% APR |
| Paying Interest: | 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. We will begin charging interest on balance transfers and cash advances on the transaction date. |
| 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 Fees: | NONE |
| Transaction Fees: Foreign Transaction Fee | Up to 1.00% of each transaction in U.S. dollars |
| Penalty Fees: | Up to $25.00 Late Payment Fee Up to $25.00 Returned Payment Fee |
Collection Costs: You agree to pay all costs of collecting the amount you owe under this Agreement, including court costs and reasonable attorney’s fees.
Periodic Rates:
The Purchase APR is 9.75% which is a monthly periodic rate of 0.8125%
The Balance Transfer APR is 8.75% which is a monthly periodic rate pf 0.7292%
The Cash Advance APR is 8.75% which is a monthly periodic rate pf 0.7292%