At
Lanier Federal Credit Union, we offer the MASTERCARD® 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 Lanier Federal Credit Union MASTERCARD® Card. You'll enjoy
the following benefits:
- No
annual fee
- 25 day
grace period before finance charges accrue
Please click here for a Mastercard application.
Please click here for the Mastercard disclosure agreement.
Please click here to access Mastercard Online.
Please
click here to report
a lost or stolen Lanier FCU MASTERCARD® Classic credit card.
| CREDIT DISCLOSURE |
| Interest Rates and Interest Charges |
| Annual
Percentage Rate (APR) for Purchases |
9.9%* |
| APR for Balance Transfers |
9.9%* |
| APR for Cash Advances |
9.9%* |
| *Rates shown are non-variable and subject to change. Your rate may vary based on individual creditworthiness and our underwriting standards. |
| Penalty APR and When it Applies |
NONE |
| 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. |
| Minimum Interest Payment |
0 |
| For Credit Card Tips from the Federal Reserve Board |
|
Fees |
| Annual Fee |
NONE |
| Transaction Fee |
| Balance Transfer Fee |
NONE |
| Cash Advance Fee |
2.25% |
| Foreign Transaction Fee |
1% of the converted transaction amount |
| Penalty Fees |
| Late Payment Fee |
$35 or 5% whichever greater |
| Over-the-Credit Limit Fee |
NONE |
| Returned Payment Fee |
$28 |
| Other Fees |
| Pay By Phone Fee |
$10 |
| Minimum Payment |
$20 or 3% whichever greater |
How We Will Calculate Your Balance. We use a method called "average daily balance (including new purchases)." See your account Agreement for more details.
Loss of Introductory APR. We will end your introductory APR and apply the Penalty Rate if you make a Late Payment.
Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement.
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