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Foothill Credit Union
Foothill Credit Union Go to main content
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Schumer Box Disclosure

Interest Rates and Interest Charges

Annual Percentage
Rate (APR) for Purchases and Balance Transfers

 

Platinum: 8.75%* - 17.90%* based on your credit worthiness at the time you open the account. This APR will vary with the market based on the Prime Rate.
 
Platinum Rewards:10.25%* -17.90%*
based on your credit worthiness at the time you open the account. This APR will vary with the market based on the Prime Rate.

Secured Credit Builder: 17.90% fixed rate
Cash Advances
Platinum: 8.75%* - 17.90%* based on your credit worthiness at the time you open the account. This APR will vary with the market based on the Prime Rate.
 
Platinum Rewards:10.25%* -17.90%*
based on your credit worthiness at the time you open the account. This APR will vary with the market based on the Prime Rate.

Secured Credit Builder: 17.90% fixed rate

Penalty Annual Percentage Rate (APR) and When It Applies

None

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. We will begin charging interest on cash advances, balance transfers and convenience checks on the date they are posted to your account.  
Minimum Interest Charge None
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 and CHARGES
Annual Fee
None
Transaction Fees

Balance Transfer: None
Cash Advance: None
Foreign Transaction: 1% of each transaction in U.S. dollars

Penalty Fees
Late Payment: If the payment is 7 days or more past due, you will be charged up to $25.
Over-the-Credit Limit: None
Returned Payment: $15.00
 

How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)". See your account agreement for more details. The information about the costs of the cards described in this application are accurate as of January 1, 2016. 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 91066-0130.

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights are provided in your agreement.

*Foothill Federal Credit Union has a loan program, which features a range of interest rates for some consumer loans. A rate is based on a variety of factors, including the applicant's credit rating at the time the new loan is opened. After that the Standard Annual Percentage Rate (APR) may vary quarterly. The APR is a variable rate determined quarterly by adding a margin 5.5% - 14.75% (depending on our review of your application and credit history) to the Prime Rate (Index) which is published in the “Money Rates” column of the Wall Street Journal on the last business day of each calendar quarter. The Index will be applied the first day of your billing cycle that ends in the calendar month following each quarter end. The corresponding Standard Daily periodic (DPR) range for the APR ranges above is.02397% DPR-.04904% DPR.  

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