Heartland Area FCU

Interest Rates and Interest Charges
Annual Percentage Rate (APR) for Purchases	2.99% Introductory APR for a period of six (6) billing cycles. When the discounted period expires, the APR on existing balances will increase to the new non-discount rate on the first day of the billing cycle. After that your APR will be 8.00%. This APR will vary with the market based on the prime rate.
Cash Advance APR and Balance Transfer APR	2.99% Introductory APR for a period of six (6) billing cycles. When the discounted period expires, the APR on existing balances will increase to the new non-discount rate on the first day of the billing cycle. After that your APR will be 8.00%. This APR will vary with the market based on the prime rate.
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 end of the due date each month.
For Credit Card Tips from the Federal Reserve Board	To learn more about factors to consider when applying for or using a credit card, visit the web site of the Federal Reserve Board at: http://www.federalreserve.gov/creditcard.
Fees
Transaction Fee Foreign Transaction Fee	1.00% of each transaction in U.S. dollars
Penalty Fee Late Payment Fee Returned Payment Fee	$20.00 $20.00
How Will We Calculate Your Balance. We use a method called "Average daily balance (including new purchases)."
Effective Date. The information about the costs of the card described in this application is accurate as of April 1 2010. This information may have changed after that date. To find out what may have changed, contact the Credit Union.
Other Disclosures
Late Payment Fee	$20.00 if you are five (5) or more days late
Document Copy Fee	$5.00
Rush Fee	$35.00
Emergency Card Replacement Fee	$75.00
Pin Replacement Fee	$3.00
Card Replacement Fee	$5.00