Credit Card Services

IMPORTANT TERMS AND CONDITIONS FOR CREDIT CARD ACCOUNTS
Interest Rates and Interest Charges
Annual Percentage Rate (APR) for Purchases	9.75% to 14.75% when you open your account, based on your creditworthiness. After that your APR will vary with the market based on the Prime Rate.
APR for Balance Transfers	9.75% to 14.75% when you open your account, based on your creditworthiness. After that your APR will vary with the market based on the Prime Rate.
APR for Cash Advances	9.75% to 14.75% when you open your account, based on your creditworthiness. After that your APR will vary with the market based on the Prime Rate.
Penalty APR and When it Applies	17.95% This APR may be applied to your account if you are 60 days or more past due. How Long Will the Penalty APR Apply?: If your APRs are increased for this reason, the Penalty APR will apply until you make six consecutive minimum payments when due.
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 interest on purchases if you pay your entire balance by the due date each month.
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.federalreserve.gov/creditcard
Fees
Annual Fee	None
Transaction Fees • Balance Transfer • Cash Advance(including convenience checks) • Foreign Transaction	Either $2 or 2% of the amount of each transfer, whichever is greater Either $2 or 2% of the cash advance, whichever is greater. 1% of each transaction in U.S. Dollars
Penalty Fees • Late Payment • Over-the-Limit • Returned Payment	$10 if balance is less than or equal to $1000; $29 if your balance is more than $1000 $29 $29
How We Will Calculate Your Balance: We use a method called "Average Daily Balance" (including new purchases). The information about the costs of the card described in this application is accurate as of 2/22/2010. This information may have changed after that date. To find out what may have changed, call us at (210) 673-5610, (800) 227-5328 or write to us at Air Force Federal Credit Union, 1560 Cable Ranch Road, Suite 200, San Antonio, TX 78245.