^Includes Classic VISA and Secured Classic VISA.
^^Includes Platinum VISA, Secured Platinum VISA, California Professional Firefighters VISA, Secured California Professional Firefighters VISA, Professional Firefighters of Arizona VISA, Secured Professional Firefighters of Arizona VISA.
See Your Account Agreement for details.
How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)."
Billing Rights: Information on Your rights to dispute transactions and how to exercise those rights is provided in Your Account Agreement.
The balances subject to the periodic Finance Charge are the average daily transactions balances outstanding during the month (including new transactions). To get the average daily balance, We take the beginning balance of Your Account each day, add any new purchases, balance transfers, cash advances, debit adjustments or other charges and subtract any payments, credits and unpaid Finance Charges. This gives Us the daily balance. Then, We add up all the daily balances for the billing cycle and divide them by the number of days in the billing cycle. The Finance Charge for a billing cycle is computed by multiplying the average daily balance subject to a Finance Charge by the Monthly Periodic Rate.
You can avoid Finance Charges on purchases by paying the full amount of the entire balance owed each month within 25 days of Your statement closing date. Otherwise, the new balance of purchases, and subsequent purchases from the date they are posted to Your Account, will be subject to a Finance Charge. Balance transfers and cash advances are always subject to a Finance Charge from the later of the date they are posted to Your Account or from the first day of the billing cycle in which the transaction is posted to Your Account.
If You are charged interest, the charge will be no less than $1.00.
Your Classic VISA and Secured Classic VISA are subject to a Monthly Periodic Rate of 0.9992% (corresponding to an ANNUAL PERCENTAGE RATE of 11.99%).Your Platinum VISA, Secured Platinum VISA, California Professional Firefighters VISA, Secured California Professional Firefighters VISA, Professional Firefighters of Arizona VISA, and Secured Professional Firefighters of Arizona VISA are subject to a Monthly Periodic Rate of 0.7492% - 1.4158% (corresponding to an ANNUAL PERCENTAGE RATE of 8.99% - 16.99%), based on Your creditworthiness.
The information in this disclosure was accurate as of December 9, 2019, and after that date is subject to change. Rates are based on the creditworthiness and underwriting guidelines. For current information, call Firefighters First Credit Union at: (800) 231-1626; write to Firefighters First Credit Union, 815 Colorado Blvd., Los Angeles, CA 90041; or visit our website at: www.firefightersfirstcu.org.
All rates subject to change without notice. For current rate information, please call 800-231-1626.