Effective Date:
1/18/2019 and is subject to change.
Interest Rates and Interest Charges
|
| Program |
Classic |
Secured |
Gold |
Platinum |
Chrome |
| Annual Percentage Rate (APR) for Purchases |
11.95%
|
13.90%
|
9.00%
This APR will vary with the market based on the Prime Rate plus 3.50% |
8.95%
|
16.50%
|
| APR for Balance Transfers |
11.95%
|
13.90%
|
9.00%
This APR will vary with the market based on the Prime Rate plus 3.50% |
8.95%
|
16.50%
|
| APR for Cash Advances |
11.95%
|
13.90%
|
9.00%
This APR will vary with the market based on the Prime Rate plus 3.50% |
8.95%
|
16.50%
|
| Penalty APR and When It Applies |
None |
| How to Avoid Paying Interest on Purchases |
Your due date is at least 21 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and transfers on the transaction date. |
| 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 at http://www.consumerfinance.gov/learnmore |
Fees
|
| Program |
Classic |
Secured |
Gold |
Platinum |
Chrome |
| Annual Fee |
None |
$15.00
This fee will be assessed each year on February 18 |
None |
None |
None |
| Transaction Fees
|
Up to 2% of the transaction amount for any card transaction made in a foreign country or currency. |
Penalty Fees
- Late Payment
- Returned Payment
|
$30.00
$20.00
|
How We Will Calculate Your Balance: We use a method called "average daily balance" (including new purchases). See your account agreement for more details.
Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement.
Information is subject to change. For more information, visit cu1.org, email membermail@cu1.org, or call (907) 339-9485 or (800) 478-2222, or write Credit Union 1, 1941 Abbott Road, Anchorage, AK 99507.
Apply Now Current Rates
Click here to view or print the Credit Cardholder Agreement 
