* Annual Percentage Rate. Applies to purchases and cash advances for the first 12 months of account activation; 14.9% thereafter. Rates accurate as of today -
and subject to change without notice.
** Annual Percentage Rate. The Finance Charge (interest) on purchases and cash advances is calculated by adding 5.0% to the highest Prime Rate published in the Wall Street Journal on the second Tuesday of February, May, August, and November. The new rate will be effective with the first billing cycle of April, July, October, and January respectively. As of November 2009, the Prime Rate was 3.25%. Based on this Prime Rate, the corresponding fully indexed annual percentage rate would be 8.25%. Future prime rates and corresponding APRs will vary. As of November 1, 1998, new Visa Gold accounts will receive a special introductory rate of 6.9% APR for the first six months. The introductory rate program does not apply to the Visa Business Gold Card program. Rate accurate as of
12/31/2009 and subject to change without notice.
*** Applies to purchases and cash advances; Prime Rate plus 0.0%. This is based upon the card being secured by SEFCU Mint Savings or SEFCU Preferred Savings with a balance equal to or exceeding the credit line.
**** Applies to purchases and cash advances; Prime Rate plus 0.0%. This is based upon the card being secured by any SEFCU Share Certificate, with a balance equal to or exceeding the credit line granted.
+The Finance Charge (interest) on purchases and cash advances is calculated by adding 0.0% to the highest Prime Rate published in the Wall Street Journal on the second Tuesday of February, May, August, and November. The new rate will be effective with the first billing cycle of April, July, October, and January respectively. As of November 2009, the Prime Rate was 3.25% Based on this Prime Rate, the corresponding fully indexed annual percentage rate would be 3.25%. The Secured Visa carries a minimum APR of 3.00%. Future prime rates and corresponding APRs will vary. Accounts that move from a secured status to unsecured will shift to the prevailing Gold card variable rate noted above. The introductory rate program does not apply to the Visa Share Secured Gold Card program.
++The Finance Charge (interest) on purchases and cash advances is calculated by adding 0.0% to the highest Prime Rate published in the Wall Street Journal on the second Tuesday of February, May, August, and November. The new rate will be effective with the first billing cycle of April, July, October, and January respectively. As of November 2009, the Prime Rate was 3.25%. Based on this Prime Rate, the corresponding fully indexed annual percentage rate would be 3.25%. The Secured Visa carries a minimum APR of 3.00%. Future prime rates and corresponding APRs will vary. Accounts that move from a secured status to unsecured will shift to the prevailing Gold card variable rate noted above. The introductory rate program does not apply to the Visa Share Certificate Secured Gold Card program.
Rates Effective 10/01/2009