Credit Card Rates

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:

Make a late payment;
Go over your credit limit;
Make a payment that is returned; or
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.

FEES
Annual Fee

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.