|
CAMPUS offers credit cards for members in every stage of life.
CAMPUS VISA Classic
- flexible limits
- low fixed rate (with no sudden jump after the introductory period)
- no annual fee
- low transfer rate of only 9.8% APR
CAMPUS VISA Gold
- minimum of $5,000 in buying power
- low variable rate - only 3.9% over prime
- low balance transfer rate of 8.88% APR
- no annual fee
The CAMPUS/Children's Miracle Network VISA
The only card in the country that gives back to the Children's Miracle Network and Shands Children's Hospital at the University of Florida. All you have to do is make purchases with the card to generate donations - no interest payment is required. Last year CAMPUS raised over $74,000 for CMN.
- low fixed 9.8% APR on purchases and cash advances
- no annual fee
The ANNUAL PERCENTAGE RATE, corresponding daily periodic rate and amount and due date of payments for each loan subaccount are shown below. If there is no payment schedule, the amount and due date of payments will be determined at the time of each advance. Other charges that may be imposed are shown below (late charges, filing fees, collection costs, etc.).
Special Note: On all loans, except Shared Secured and Certificate Secured, your rate will be based on your credit worthiness. Please contact the credit union to find out what rate you qualify for and what criteria we use to qualify you for a certain rate.
VISA CLASSIC / MASTERCARD CREDIT DISCLOSURE
|
|
Annual Percentage Rate (APR) for Purchases
|
14.4% APR
|
|
Annual Percentage Rate (APR) for
|
Balance Transfers: 14.4%
Cash Advances: 14.4%
Late Payment Penalty: 17%*
|
VISA GOLD CREDIT DISCLOSURE
|
|
Annual Percentage Rate (APR) for Purchases
|
8.88% APR
as of May 29, 2008
|
|
Annual Percentage Rate (APR) for
Variable Rate Information: The ANNUAL
PERCENTAGE RATE (APR) may vary based
on changes in the Index which is the highest
Prime Rate published in the Wall Street Journal
on the first Tuesday of each month. A margin of
3.9% will be added to the Index and then the rate
will be rounded up to thenearest 1/8th to determine
the APR.
|
Balance Transfers: 8.88%
Cash Advances: 8.88%
Late Payment Penalty: 17%*
|
CHILDRENS MIRACLE NETWORK
VISA CREDIT DISCLOSURE
|
|
Annual Percentage Rate (APR) for Purchases
|
9.8% APR
|
|
Annual Percentage Rate (APR) for
|
Balance Transfers: 9.8%
Cash Advances: 9.8%
Late Payment Penalty: 17%*
|
DISCLOSURES FOR ALL CARDS
|
|
Annual Fee
|
None
|
|
Grace Period for Repayment of Balance of Purchases
|
You have a minimum 25-day fee period to pay off your balance before a periodic finance charge will be imposed.
|
|
Method of Computing the Balance for Purchases
|
Average daily balance (including new purchases)
|
| International Transaction Fee |
1% of foreign transaction amount |
|
Minimum Finance Charges
|
None
|
|
Late Payment Fee
|
$34
|
|
Over the Credit Limit Fee
|
$34
|
|
Return Check Fee
|
$34
|
|
Card Replacement Fee
|
$15
|
The minimum payment is the greater of $15 or 3% of your total new balance, not to exceed your total new balance, plus the amount of any prior minimum payments that you have not made, and any amount you are over your credit limit.
*If your payment is received after the due date three times within any six-month period, your APR will increase to 17% with a monthly periodic rate of 1.416%.
CREDIT INSURANCE COST DISCLOSURE
|
|
Coverage
|
Cost per $100 of your monthly balance
|
|
Single Credit Life
|
6.8
|
|
Joint Credit Life
|
11.9
|
|
Single Credit Disability
|
13.4
|
|
