Union Pacific of Arkansas FCU
 
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Credit Card

At Union Pacific FCU, we offer the MasterCard® Platinum credit card. Your credit card should offer convenience, not high costs. Why spend more on fees and interest charges than you have to? Discover the savings of a UPFCU MasterCard® Credit Card.

You'll enjoy the following benefits:

  • 4.99% APR* Special 6 month introductory offer! (Low fixed rate thereafter)
  • No balance transfer fee
  • Same low rate for purchases and cash advances

Apply today by calling 501-373-2190 or 501-374-2190!

Please click here to report a lost or stolen UPFCU MasterCard® Platinum credit card or click here for the credit card payoff calculator. Click here for UPFCU MasterCard® Platinum credit card agreement.

CREDIT DISCLOSURE
Interest Rates and Interest Charges
Annual Percentage Rate (APR) for Purchases
8.99% to 14.99% when you open your account, based on creditworthiness.
APR for Cash Advances 8.99% to 14.99% when you open your account, based on creditworthiness.
APR for Balance Transfers 8.99% to 14.99% when you open your account, based on creditworthiness.
Minimum Interest Charge
If you are charged interest, the charge will be no less than $1.00. The minimum interest charge will be charged on any dollar amount.
How to Avoid Paying Interest on Purchases
Your due date is at least 25 days after the close of each biling cycle. We do not charge you interest on purchases if you pay your entire balance by the due date each month.
For Credit Card Tips from the Federal Reserve Board
To learn more about factors to consider when applying for or using a credit card, visit the Web site of the Federal Reserve Board at http://www.federalreserve.gov/creditcard.
Fees
Annual Fee NONE
Transaction Fee
Balance Transfer Fee NONE
Foreign Transaction Fee 1.00% of each transaction in U.S. dollars
Transaction Fee for Purchases NONE
Penalty Fees
Late Payment Fee
up to $20.00
Returned Payment Fee
up to $25.00

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 F15
This information may have changed after that date. To find out what may have changed, contact the Credit Union.

Other Disclosures:

Late Payment Fee: $20.00 or the amount of the required minimum payment, whichever is less, if you are 15 or more days late in making a payment.

Returned Payment Fee: $25.00 or the amount of the required minimum payment, whichever is less.

Document Copy Fee: $3.00

Pay-by-Phone Fee: $5.00