Credit Card Services

The following rates are effective on January 15, 2008, and subject to change at any time without notice. For updated information, inquire at any branch office or contact 210.673.5610.

IMPORTANT TERMS AND CONDITIONS FOR CREDIT CARD ACCOUNTS
Interest Rates and Interest Charges
Range of Annual Percentage Rate (APR) for Purchases	9.99% to 18.00% when you open your account, based on your creditworthiness, your relationship with Air Force FCU and other factors. Subject to change upon periodic review of credit, relationship and other factors.
Range of APR for Balance Transfers at current rate and time. May vary based on special promotions.	9.99% to 18.00% depending on your specific rate at the time of the balance transfer. Balance transfer fees may also apply (see Fees section below). Notice Regarding Interest Charges: Special promotions may from time to time offer an introductory APR to apply only to “balance transfers” and not to purchases. During the introductory period we will apply your payments to transferred balances before we apply them to any purchases you make. You will be charged current interest on all purchases until your entire balance has been paid off completely, including balance transfers if applicable.
Range of APR for Cash Advances	9.99% to 18.00% depending on your specific rate at the time the cash advance is taken. Cash advance fees may apply (see Fees section below).
Delinquency APR and When it Applies	18.00% This APR may be applied to the entire balance on your account if you make a late payment two billing cycles in a row. How Long Will the Deliquency APR Apply?: If your APR is increased for the reason listed above, the Deliquency APR will apply until your account has been brought current and payments have been made as required for six (6) consecutive billing cycles.
Minimum Finance Charge	None
Grace Period for Repayment of Balances for Purchases	If you pay your entire balance in full each month, you have at least 25 days after the close of each period to pay your balance on purchases without being charged a Finance Charge.
Method of Computing the Balance for Purchases	Average Daily Balance (including new purchases)
Website for Additional Information	To learn more about factors to consider when applying for or using a credit card, visit the website of the Federal Reserve at http://www.federalreserve.gov/pubs/shop
Fees
Annual Fee	None
Transaction Fees • Balance Transfer • Cash Advance	None None
Penalty Fees • Late Payment • Over-the-Credit Limit • Non-Sufficient Funds (NSF) Check or ACH Transfer	$29 per cycle $29 per cycle $29 per occurrence
International Service Assessment Fee	1% of U.S. Dollar Transaction Amount whether or not the transaction is charged in U.S. dollars.
The information disclosed here is correct as of January 15, 2008. Please call the Credit Union at 210.673.5610 or 800.227.5328 for current information.