Mastercard

Interest Rates and Interest Charges

Annual Percentage Rate (APR) for Purchases	9.9% MasterCard
APR for Balance Transfers	9.9% MasterCard
APR for Cash Advances	9.9% MasterCard
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 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: NONE

  
  Transaction Fees
  
  Balance Transfer
    $0
  
  Cash Advance
    $0
  
  Foreign Transaction
    Up to 1% of each transaction in U.S. dollars
  
  Penalty Fees
  
  Late Payment
    $15
  
  Returned Payment
    $25

How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases)”. The information about the costs of the card described in this application is accurate as of 07/2010. This information may have changed after that date. To find out what may have changed, call us at (888) 478-2543 or write to us at Everman Parkway Credit Union, 1216 Everman Parkway, Forth Worth, Texas 76140.