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To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account.

What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents.

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Terms and Conditions of Your Consumer Account
Terms and Conditions of Your Business Account
Check 21 Disclosure
Fair and Accurate Credit Transaction Act of 2003 (FACT Act)
Mobile Remote Deposit Capture Disclosure and Agreement

Assessment of Fees

Change to MasterCard Cross-Border Transaction Fee

Currently, the conversion rate used by MasterCard International to determine the transaction amount in U.S. dollars for such transactions is generally either a government mandated rate or a wholesale rate determined by MasterCard International for the processing cycle in which the transaction is processed, plus 1%. The currency conversion rate used by MasterCard International on the processing date may differ from the rate that would have been used on the purchase date or cardholder statement posting date.

Effective April 7, 2006, the currency conversion fee will be discontinued. Instead, fees will be assessed as follows:

  • A fee of 0.2% will also be assessed to card issuers on cross-border transactions that are converted from foreign currencies back to U.S. dollars (i.e. currency conversions.)
  • A fee of 0.8% will be assessed to card issuers on all cross-border transactions (this excludes transactions initiated in U.S. territories or at U.S. military bases in foreign countries). This assessment will be charged to the credit union whether or not a currency conversion is performed.

Effective April 7, 2006, all fees related to cross-border transactions will be assessed to the member’s account.

Credit Card Disclosures


Interest rate and Interest Charge
Annual Percentage Rate (APR) for Purchases
APR for Balance Transfers
APR for Cash Advances
Penalty APR and When it Applies
   This APR will be applied to your account if you:
1)      Make a late payment;
2)      Go over your credit limit twice in a six-month period;
3)      Make a payment that is returned; or
4)      Do anything above on another account that you have with us.
How long Will the Penalty APR Apply? If your APRs are increased for any of these reasons, the Penalty APR will apply until you make six consecutive minimum payments when due and do not exceed your credit limit during that time period.
Paying Interest
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. We will begin charging interest on cash advances and balance transfers on the transaction date.
Minimum Interest Charge
For Credit Card Tips from the Consumer Financial Protection Bureau
To learn more about the factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at
Annual Fee
Transaction Fees
·         Balance Transfer
·         Cash Advance
·         Foreign Transaction
1% of each transaction in U.S. dollars
Penalty Fees
·         Late Payment
·         Over –the-Credit Limit
·         Returned Payment
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