Credit Card Rates - Suncoast Schools Federal Credit Union

Your Credit Union offers low rate credit card products with competitive terms. Your actual rate and term will be based on your personal credit qualifications.

Other Rates: Savings & Deposit Products - Mortgage Products - Fee Schedule

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Interest Rates and Interest Charges

Annual Percentage Rate (APR) for Purchases	8.9% to 16.9% when you open your account, based on your creditworthiness.
APR for Balance Transfers	10.9% to 18.0%
APR for Cash Advances	10.9% to 18.0%
Penalty APR and When it Applies	Not Applicable
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.
Paying Interest	We will begin charging interest on cash advances, balance transfers and convenience checks on the transaction date.
Minimum Interest Charge	Not Applicable
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.consumerfinance.gov/learnmore/

Fees

Annual Fee	None
Transaction Fees Balance Transfer Cash Advance Foreign Transaction	None None 1% of each transaction in US Dollars
Penalty Fees Late Payment Over-the-Credit Limit Returned payment	Up to $25 charged 5 days after due date or closing date, whichever comes first. None Up to $25
Other Fees Card Replacement Required Account Protector Plan	$5 None

How We Will Calculate Your Balance: We use a method called "average daily balancing (including new purchases)". See your account agreement for more details.

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights will be provided in your account agreement.

TERMS AND CONDITIONS MAY CHANGE WITHOUT NOTICE
*APR = Annual Percentage Rate.
Subject to term and credit qualifications
Annual percentage rates may vary.
Annual percentage rates may change during loan terms on variable rate products.
Membership and / or participation fees may apply. Inquire about specific fees for a product through your credit union.