Lake Community Federal Credit Union (330) 877-4370

https://www.lakecomfcu.org/

To learn more about 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.

 

Interest Rates and Interest harges

Annual Percentage Rate (APR) for

Purchases

VISA

11.90%

APR for Balance Transfers

VISA

11.90%

APR for Cash Advances

VISA

11.90%

How to Avoid Paying Interest on Purchases

Your due date is at least 28 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.

┬ęCUNA Mutual Group 2009, 10, 12 All Rights Reserved DVAPHO (MXC402 CCM002)

SEE BACK OF PAGE for more important information about your account.

For Credit Card Tips and factors to consider when applying for or using a credit card, visit

The Consumer Financial Protection Bureau.

Fees

- Balance Transfer Fee

-Annual Fee:

- Minimum Finance Charge:

-Transaction Fee For Purchases:

-Cash Advance Fee

- Foreign Transaction Fee

None

None

$0.00

None

$10.00 or 3.25% of the amount of each cash advance, whichever is greater

1.00% of each transaction in U.S. dollars

Penalty Fees

- Late Payment Fee

- Returned Payment Fee

-Over-The-Limit Fee

 

Up to $28.00

Up to $25.00

$20.00

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

Effective Date.

The information about the costs of the card described in this application is accurate as of March 1, 2014.
This information may have changed after that date. To find out what may have changed, contact the Credit Union.

OTHER DISCLOSURES

Late Payment Fee $25.00 or the amount of the required minimum payment, whichever is less, if you are one (10) or more days late in making a payment.
In the event you fail to make a payment on time in any of the six (6) billing cycles following the initial violation, you will be charged $28.00 or the amount of the required minimum payment, whichever is less.

Returned Payment Fee

$20.00

or the amount of the required minimum payment, whichever is less

Pin Replacement Fee PIN Replacement Fee

$5.00

Statement Copy Fee

$10.00

Document Copy Fee

$25.00

Rush Fee

$75.00

Card Replacement Fee

$15.00

Emergency Card Replacement Fee

$50.00

DVAPHO (MXC402 CCMOO)-e