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Low Interest Credit Card Rate from BFG

BFG Federal Credit Union offers low interest rate credit card options to qualified applicants. Below, find complete information on our credit card rates and overall plan features of our low interest credit cards.

BFG Federal Credit Union Credit Card Disclosure for

Mastercard Platinum and Visa Platinum

Effective September 17, 2012

Interest Rates and Interest Charges
Annual Percentage Rate (APR) For Purchases 8.99%
APR for Balance Transfers 8.99%
APR for Cash Advances 8.99%
Penalty APR and When It Applies

16.99%

This APR may be applied to the entire balance on your account if you:

- Make a late payment

- Make a payment that is returned

How Long Will The Penalty APR Apply? If your APRs are increased for these reasons, the Penalty APR will apply until you make six (6) consecutive minimum payments when due.

How to Avoid Paying Interest on Purchases Your due date is at least 25 days after the close of each billing cycle. We do not charge you interest on purchases if you pay your entire balance by the due date each month.
Minimum Interest Charge If you are chaged interest, the charge will be no less than $0.01. The minimum interest charge will be charged on any dollar amount.
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
Transaction Fees
Balance Transfer Fee None
Cash Advance Fee $5.00 or 3.00% of the amount of each cash advance, whichever is greater
Foreign Transaction Fee 1.00% of each transaction in U.S. dollars.

Transaction Fee for

Purchases

None
Penalty Fees
Late Payment Fee Up to $35.00
Over-the-Credit Limit Fee None
Returned Payment Fee Up to $35.00


How We Will Calculate Your Balance We use a method called "average daily balance (including new purchases)."
Application of Penalty APR
Your APR may be increased to the disclosed Penalty APR if you are 60 days late in making a payment or make a payment that is returned.
Effective Date The information about the costs of the card described in this application is accurate as of September 17, 2012. This information may have changed after that date. To find out what may have changed, contact the Credit Union.
OTHER DISCLOSURES
Late payment Fee $25.00& or the amount of the required minimum payment, whichever is less, if you are ten (10) or more days late in making a payment. In the event you fail to make a payment on time in any of the six (6) billing cycles following the initial violation, you will be charged $35.00 or the amount of the required minimim payment, whichever is less.
Returned Payment Fee $25.00 or the amount of the required minimum payment, whichever is less. In the event a payment is returned in any of the six (6) billing cylces following the initial violation, you will be charged $35.00 or the amount of the required minimum payment, whichever is less.
Statement Copy Fee $5.00

Rush Fee

$15.00

Card Replacement Fee

$10.00
Payments by Non-BFG Credit Card Fee $15.00
Customer Service Pay-by-Phone (ACH) Fee $10.00

Hopefully you've learned more about our low interest credit cards and how they can be beneficial for you. With no annual fee and a low interest credit card rate at just 8.99%, this is a sensible and affordable option for our members.

Apply today to take advantage of our geat low interest credit card rate.

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