Credit Card

 

 

Interest Rate and Interest Charges

Save money when you cut up your high-rate credit cards and transfer your balance to your Premier Financial Credit Union card. Avoid annual percentage rate (APR) interest charges all together by paying the balance in full each month. Contact the Lending Team for more information.

Fees

Annual Fees

None

Transaction Fees

  • Cash Advance Fee
  • Foreign Transaction
  • Pay By Phone (Applies to card service center calls only. Fee is not charged by calling the credit union.)

$5.00 per cash advance

Up to 1% of each transaction in U.S. dollars $10.00

Penalty Fees

  • Late Payment Fee

$20.00

Set-Up and Maintenance Fees

  • Card Replacement
  • PIN Reminder

$10.00 per card

$5.00 (additional charge for Special Delivery)

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

Effective Date. The information about the costs of the card described in this application is accurate as of 08/01/2018. This information may have changed after that date. To find out what may have changed, contact the Credit Union.

Military Lending Act. Federal law provides important protections to members of the Armed Forces and their dependents relating to extensions of consumer credit. In general, the cost of consumer credit to a member of the Armed Forces and his or her dependent may not exceed an annual percentage rate of 36 percent. This rate must include, as applicable to the credit transaction or account: The cost associated with credit insurance premiums; fees for ancillary products sold in connection with the credit transaction; any application fee charged (other than certain application fees for specified credit transactions or accounts); and any participation fee charged (other than certain participation fees for a credit card account).

Payment Example: Your required monthly payment amount will be calculated based on 2% of the outstanding balance at the end of the billing cycle. At no time will your required monthly payment amount be less than $20.00.

View Rates Contact our Lending Team

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