MasterCard Disclosure





 
Mastercard Rates and Terms
Annual Percentage Rate (APR) for Purchases
10.15% to 17.90%
based on your creditworthiness.
This APR will vary with the market based on the prime rate.
APR For Balance Transfers 12.15% to 17.90%
based on your creditworthiness.
This APR will vary with the market based on the prime rate.
APR For Cash Advances
12.15% to 17.90%
based on your creditworthiness.
This APR will vary with the market based on the prime rate.
How to Avoid Paying Interest on Purchases Your due date is at least 25 days after the close of each business cycle. We will not charge you interest on purchases if you pay your entire balance by the due date each month. We charge interest on cash advances and balance transfers from the transaction date.
Minimum Interest Charge $2
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 https://www.consumerfinance.gov/learnmore
Fees
Transaction features
  • *Balance Transfers
  • *Cash Advance
  • *Foreign Transactions
  • None
  • $10 or 2.00% of the amount of each cash advance, whichever is greater
  • 2% of each transaction U.S. dollar amount.
Penalty Fees
  • *Late Payment
  • *Return Payment
  • Up to $25
  • Up to $25
How We Will Calculate Your Balance: We use a method called "average daily balance" (including new purchases).

 
*Registration/activation required. Membership required.
The information about the costs of the card described in this application is accurate as of: November 1, 2022. This information may have changed after that date. To find out what may have changed, contact Credit Union of Texas.