US Eagle Visa® Credit Builder Credit Card Disclosure

Important Account Terms – US Eagle Visa® Credit Builder Credit Card

Interest Rates and Charges
Annual Percentage Rate (APR) for Purchases	18.00% APR^* when you open your account, based on your creditworthiness. After that, your APR will vary with the market based on the Prime Rate.*
APR for Cash Advances	18.00% APR^* This APR will vary with the market based on the Prime Rate.
APR for Balance Transfers	18.00% APR^* This APR will vary with the market based on the Prime Rate.
Penalty APR and When it Applies	Not Applicable
How to Avoid Paying Interest on Purchases	Your payment 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 not charge you interest on purchases if you pay your entire new purchase balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the date the cash advance or balance transfer is posted to your account.
Minimum Interest Charge	None
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

Fees to open or maintain your account

Annual Fee – None

Application Fee – None

Transaction Fees

Balance Transfer
Cash Advance
Foreign Transaction

$25 per transfer, this fee is waived for the initial 90 days after account opening.

None

1% of each transaction in U.S. dollars.

Penalty Fees

Late Payment
Returned Payment
Over-the-Limit

Up to $25 if your payment is late.

Up to $25 if your payment is returned for any reason.

None

Other Fees

Statement Copy Fee
Card Replacement Fee
Pay-By-Phone Fee

$2.00 per statement.

$10.00 per card.

$10.00 per payment.

How We Will Calculate Your Balance: We use the "Average Daily Balance (including new purchases)" method.

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your Terms and Conditions. Method of computing finance charge: Average Daily Balance (including new purchases).

^*Variable Rate Information: The APR for Purchases, Balance Transfers, and Cash Advances is determined quarterly by adding a margin to the published Prime Rate. The information about the costs of the cards described is accurate as of 10/1/24. This information may have changed after that date. To find out what may have changed, write to us at US Eagle Federal Credit Union, PO Box 129, Albuquerque, New Mexico 87103, or call us at 888-342-8766.

Transaction, penalty and other fees may apply. Transaction fees include balance transfer and foreign transaction fees. Penalty fees include late and returned payments fees. Other fees include statement copy, card replacement and pay-by-phone fees. All loans subject to credit approval. Your creditworthiness may affect qualified APR. US Eagle members are only allowed one credit card product. If a member currently has a credit card product with US Eagle, and the member desires any new card product, their current card will be forfeited, and only the balance transferred to their new card will be at their current rate. New purchases, balance transfers and cash advances on their new card will be at the applicable rate for their new card product. Must qualify for US Eagle membership including minimum $5 share deposit. See US Eagle for complete details. VISA® is a registered trademark of Visa, Inc.