United States Senate Federal Credit Union

Current Rates: Credit Cards

Print rates

The following rates are effective on January 26, 2015 and are subject to change without notice.

  VISA Smart Rate VISA Smart Rewards
Annual Percentage Rate
for Purchases

9.25%. This APR will vary with the market based on the Prime Rate(1).

10.25%. This APR will vary with the market based on the Prime Rate (1).

Annual Percentage Rate
for Balance Transfers

9.25%. This APR will vary with the market based on the Prime Rate (1).

10.25%. This APR will vary with the market based on the Prime Rate (1).

Annual Percentage Rate
for Cash Advances

9.25%. This APR will vary with the market based on the Prime Rate (1).

10.25%. This APR will vary with the market based on the Prime Rate (1).

Minimum Interest Charge None  
Paying Interest Your due date is at least 25 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 balance 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
Set-up And Maintenance Fees
       Annual Fee:
       Document Copy Fee:

None
$20 for each copy of a merchant draft.
Transaction Fees
Cash Advance & Balance Transfers
Foreign Transactions
 
 
None
1% of the transaction amount.
Penalty Fees
       Late Payment
       Returned Payment

Up to $35.00 if your payment is received after the due date.
Up to $35.00 for each returned payment.

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.

(1) Variable Rate. Your account is subject to a Variable Rate which is based on the highest Prime Rate as published in the Money Rates Section of The Wall Street Journal ("Index") in effect on the last day of each calendar quarter plus our Margin. The Index plus the Margin equals the Interest Rate. Changes in the Index will cause changes in the Interest Rate on the first day of the next billing cycle following the change. Increases or decreases in the Interest Rate will result in like increases or decreases in the Finance Charge and will affect the amount of your regularly scheduled payments that you will be required to make.

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All the Rates Smart Rate Promo Agreement and Disclosure»

All the Rates Smart Rewards Promo Agreement and Disclosure»