Loan Resources
Other Credit Card Options
Credit Builder Mastercard®
Have less than perfect credit? Foothill Federal Credit Union can offer you a Credit Builder MasterCard® to help build or repair your credit, and you determine your credit limit by the amount of shares you pledge as collateral.
- Low annual fee of $10 (Annual fee waived for Gold & Silver memberships)
- Variable interest rate
- No cash advance fee
- No need to carry cash
- No more check cashing fees
Our MasterCards® are accepted at millions of merchants around the world. Use yours for dining, shopping, gas, and many other ways. Wherever you go, your Foothill Federal Credit Union MasterCard® ensures acceptance, convenience and a great rate!
| Interest Rates and Interest Charges | |
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Annual Percentage
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Platinum: 10.25% This APR will vary with the market based on the
Prime Rate Classic: 13.25% This APR will vary with the market based on the Prime Rate Secured Credit Builder: 17.90% |
|
APR for Balance Transfers |
Platinum: 10.25% This APR will vary with the market based on the Prime Rate Classic: 13.25% This APR will vary with the market based on the Prime Rate Secured Credit Builder: 17.90% |
|
APR for Cash |
Platinum: 10.25% This APR will vary with the market based on the Prime Rate Classic: 13.25% This APR will vary with the market based on the Prime Rate Secured Credit Builder: 17.90% |
| 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 Federal Reserve Board |
To learn more about factors to consider when applying for or using a credit card, visit the website of the Federal Reserve Board at http://www.federalreserve.gov/creditcard |
| FEES | |
| Annual Fee |
Platinum: None
Classic: $10.00 (waived for Gold and Silver memberships)
Secured credit Builder: $10.00 (waived for Gold and Silver memberships) |
|
Transaction Fees |
Balance Transfer: None |
| Penalty Fees |
Late Payment: $28.00
Over-the-CRedit Limit: None
Returned Payment: $28.00
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How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)" The information about the costs of the cards described in this application are accurate as of July 1, 2010. This information may have changed after that date. To find out what may have changed, call us at 626.445.0950 or write to us at P.O. Box 660130, Arcadia, CA 91066-8042. |
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