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 |
|
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 |
