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Credit Card

As of 8/1/2016, the Fixed Annual Percentage Rate for a TruChoice Visa credit card is as low as 9.9%, depending on your credit history and our underwriting criteria. Plus, there's no annual fee as long as your credit is in good standing. 

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Interest Rates and Interest Charges

Annual Percentage Rate (APR) for purchases

Credit ScoreA+ABCD*E*
Annual
Percentage
Rate
9.90% 10.90% 12.90% 14.90% 16.90% 18.0%

We will tell you in writing which rate applies upon approval of your application.
Rate based on credit score.

APR for Balance Transfers The same Annual Percentage Rate listed for purchases above.
APR for Cash Advances The same Annual Percentage Rate listed for purchases above.
Penalty APR and When It Applies 18.00% This APR may be applied to your account if you:
1) Make a late payment;
2) Go over your credit limit;
3) Make a payment that is returned; or
4) Do any of the above on another account that you have with us.
How Long Will the Penalty APR Apply? If your APR is increased for any of these reasons, the Penalty APR will apply until you make 6 consecutive minimum payments when due.
How to Avoid Paying Interest on Purchases Your due date is 25 days after the close of each billing cycle. We will not charge interest on purchases if you pay your entire balance by the due date each month.
Minimum Interest Charge If you are charged interest, the charge will be no less than $1.50.
For Credit Card Tips from the Consumer Financial Protection Bureau 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
FEES
Annual Fee
$0
Transaction Fees
Foreign Transaction Fees
1% for currency conversion. 0.8% for non-currency conversion.
$1.25 ATM cash disbursement fee at surcharge-free ATMs
$0.50 ATM cash disbursement fee at surcharge ATMs
Please refer to Section 11, Foreign Transactions for more information.
Penalty Fees
Late Payment
$25 (over 20 days)

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

The information about the cost of the card described above was accurate as of 8/1/2016, but is subject to change after that date.

You should call the credit union at 207-772-0808 or write to TruChoice Federal Credit Union, PO Box 10659, Portland, ME 04104 for any changes in the information about the cost of the card since the time of printing. 

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement.  Click here to view the current agreement and disclosures.

Funds in your accounts at TruChoice are insured to at least $250,000 by the National Credit Union Administration (NCUA) and are backed by the full faith and credit of the United States Government.  TruChoice provides additional share insurance covering an additional $250,000. Certain IRAs are insured up to $250,000.  Copies of the NCUA brochure "Your Insured Funds" are available at each TruChoice office and are also available by mail upon request.

TruChoice Federal Credit Union • PO Box 10659, Portland, ME 04104 • Toll-free: 1.800.639.5550 • Email: trufcu@trufcu.com © 2006-2017 TruChoice Federal Credit Union

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