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Mastercard® Platinum Rewards Credit Card Disclosure

Effective: March 12, 2020
Information contained in this Credit Disclosure is accurate as of this date and is subject to change thereafter. To obtain more recent information, please call us at 812-855-7823 or toll free at 888-855-6928.

Interest Rates and Interest Charges
Annual Percentage Rate (APR) for purchases
10.25% - 20.25%.

This APR will vary with the market based on the Prime Rate.
APR for Balance Transfers 10.25% - 20.25%
This APR will vary with the market based on the Prime Rate.
APR for Cash Advances 10.25% - 20.25%
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 billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month.
Minimum Interest Charge

If you are charged periodic interest, the charge will be no less than $0.50.

For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about the factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore
Fees

Annual Fee

None

Transaction Fees

Balance Transfer Fee

Cash Advance Fee

Foreign Transaction Fee

ATM Fee

 

None

None

Up to 1.0% of each transaction in U.S. dollars

$0.50

Penalty Fees

Late Payment Fee

Over-the-Credit Limit Fee

Returned Payment Fee

 

Up to $17

None

Up to $25

How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)."

Other Fees:
Replacement Card None
Statement Copy $3 per statement

 

© 2020 IU Credit Union. All Rights Reserved.

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