Credit Card Rate and Fee Disclosures

Visa® Inspire Cash Back Signature

Interest Rates and Interest Charges
Annual Percentage Rate (APR) for Purchases 12.24% to 21.24% based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
Annual Percentage Rate (APR) for Balance Transfers 12.24% to 21.24% based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
APR for Cash Advances 14.24% to 23.24% based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
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 billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month.
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 here.
Fees
Annual Fee $95 (Waived for the first year)
Transaction Fees

  • Balance Transfer
  • Cash Advance
  • Foreign Transaction
 

  • None.
  • 3% of the Cash Advance including Convenience Checks unless otherwise disclosed ($5 minimum fee/$50 maximum fee)
  • None
Penalty Fees

  • Late Payment
  • Over-the-Credit-Limit
  • Returned Payment
 

  • Up to $25
  • None
  • Up to $25
Other Fees

  • Returned Convenience Check
  • Expedited Card Delivery
  • Card Replacement Fee
 

  • $25
  • $30
  • $10
How We Will Calculate Your Balance:We use a method called “average daily balance (including new purchases).” If you fail to make two consecutive required payments on your account you will be considered in default and all Inspire Cash Back Signature dollars will be forfeited.
Your standard variable Annual Percentage Rate (APR) for purchases, balance transfers and cash advances may increase or decrease quarterly. For each quarter, we determine the APR by adding a margin to the U.S. Prime Rate published in the Wall Street Journal the last business day of the previous calendar quarter. When a change In the Prime Rate occurs, the resulting new APR’s will apply to balances on your account starting with your next monthly billing cycle. (See the Visa credit card agreement for complete details.)
Balance Transfers: If the total amount you request exceeds your total credit line, we may send full or partial payment to your creditors in the order you provide them to us. Balance Transfers incur interest charges from the date of the transaction. The minimum Balance Transfer amount is $500. Allow at least 2 weeks for processing. If you have a dispute with a creditor and pay that balance by transferring it to your new account, you may lose certain billing rights. Balance Transfers may not be used to pay off or down any account issued by DuPage Credit Union.
Upgrading From One DuPage Credit Union Credit Card Program to Another: Upon activating your new DuPage Credit Union Credit Card, your old credit card will be closed and any unpaid, promotional balances will be transferred to your new DuPage Credit Union Credit Card at the current purchase APR.
Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement. Information about the costs of the Credit Card Account described in this disclosure is accurate as of October 10, 2017. This information may have changed after this date. To find out what may have changed, please write to us at PO Box 3930, Naperville, IL 60567.

Visa® Platinum Rewards

Interest Rates and Interest Charges
Annual Percentage Rate (APR) for Purchases 0% Introductory APR for 12 billing cycles from the date of account opening on qualifying purchases posted within the first 90 days of account opening. After that, your APR will be __VISA_REWARDS_APR__based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
Annual Percentage Rate (APR) for Balance Transfers 0% Introductory APR on balance transfers requested within the first 12 months of account opening. This will be the rate for the next 12 months of each balance transfer. After that, your APR will be 15.50%-23.50% based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
APR for Cash Advances 15.50% to 23.50%
The rate you qualify for is based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
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 billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month.
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 here.
Fees
Annual Fee None
Transaction Fees

  • Balance Transfer
  • Cash Advance
  • Foreign Transaction
 

  • Introductory fee of $5 or 3% of the amount of the transaction, whichever is greater during the first 12 months. After that, None.
  • 3% of the Cash Advance including Convenience Checks unless otherwise disclosed ($5 minimum fee/$50 maximum fee)
  • None
Penalty Fees

  • Late Payment
  • Over-the-Credit-Limit
  • Returned Payment
 

  • Up to $25
  • None
  • Up to $25
Other Fees

  • Returned Convenience Check
  • Expedited Card Delivery
  • Card Replacement Fee
 

  • $25
  • $30
  • $10
How We Will Calculate Your Balance:We use a method called “average daily balance (including new purchases).”
If you fail to make two consecutive required payments on your account you will be considered in default and all Choice Rewards Points will be forfeited.
Current DuPage Credit Union Credit Cardholders do not qualify to transfer their current outstanding balance from one DuPage Credit Union Credit Card to another DuPage Credit Union Credit Card at the introductory promotional rate.
Your standard variable Annual Percentage Rate (APR) for purchases, balance transfers and cash advances may increase or decrease quarterly. For each quarter, we determine the APR by adding a margin to the U.S. Prime Rate published in the Wall Street Journal the last business day of the previous calendar quarter. When a change In the Prime Rate occurs, the resulting new APR’s will apply to balances on your account starting with your next monthly billing cycle. (See the Visa credit card agreement for complete details.)
Balance Transfers: If the total amount you request exceeds your total credit line, we may send full or partial payment to your creditors in the order you provide them to us. Balance Transfers incur interest charges from the date of the transaction. Allow at least 2 weeks for processing. If you have a dispute with a creditor and pay that balance by transferring it to your new account, you may lose certain billing rights. Balance Transfers may not be used to pay off or down any account issued by DuPage Credit Union.
Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement.
Information about the costs of the Credit Card Account described in this disclosure is accurate as of July 28, 2017. This information may have changed after this date. To find out what may have changed, please write to us at PO Box 3930, Naperville, IL 60567.

Visa® Platinum Advantage

Interest Rates and Interest Charges
Annual Percentage Rate (APR) for Purchases 0% Introductory APR for 12 billing cycles from the date of account opening on qualifying purchases posted within the first 90 days of account opening. After that, your APR will be __VISA_ADVANTAGE_APR__ based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
Annual Percentage Rate (APR) for Balance Transfers
0% Introductory APR on balance transfers requested within the first 12 months of account opening.
OR
3.9% Introductory APR on balance transfers requested within the first 12 months of account opening.
This will be the rate for the next 12 months of each balance transfer. After that, your APR will be 13.50%-21.50% based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
APR for Cash Advances 13.50% to 21.50%
The rate you qualify for is based on your creditworthiness.
This APR will vary with the market based on the Prime Rate.
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 billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month.
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 here.
Fees
Annual Fee None
Transaction Fees

  • Balance Transfer
  • Cash Advance
  • Foreign Transaction
 

  • Introductory fee of $5 or 3% of the amount of the transaction, whichever is greater during the first 12 months with 0% introductory APR. After that, or if 3.9% APR is chosen, None
  • 3% of the Cash Advance including Convenience Checks unless otherwise disclosed ($5 minimum fee/$50 maximum fee)
  • None
Penalty Fees

  • Late Payment
  • Over-the-Credit-Limit
  • Returned Payment
 

  • Up to $25
  • None
  • Up to $25
Other Fees

  • Returned Convenience Check
  • Expedited Card Delivery
  • Card Replacement Fee
 

  • $25
  • $30
  • $10
How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).”
If you are a current Visa® Rewards cardholder, by switching to a Visa® Advantage Card you will forfeit any current Choice Rewards Points. Current DuPage Credit Union Credit Cardholders do not qualify to transfer their current outstanding balance from one DuPage Credit Union Credit Card to another DuPage Credit Union Credit Card at the introductory promotional rate.
If an introductory balance transfer APR is not selected at the time of account opening, the 3.9% APR will be set as the balance transfer introductory APR.
Your standard variable Annual Percentage Rate (APR) for purchases, balance transfers and cash advances may increase or decrease quarterly. For each quarter, we determine the APR by adding a margin to the U.S. Prime Rate published in the Wall Street Journal the last business day of the previous calendar quarter. When a change In the Prime Rate occurs, the resulting new APR’s will apply to balances on your account starting with your next monthly billing cycle. (See the Visa credit card agreement for complete details.)
Balance Transfers: If the total amount you request exceeds your total credit line, we may send full or partial payment to your creditors in the order you provide them to us. Balance Transfers incur interest charges from the date of the transaction. Allow at least 2 weeks for processing. If you have a dispute with a creditor and pay that balance by transferring it to your new account, you may lose certain billing rights. Balance Transfers may not be used to pay off or down any account issued by DuPage Credit Union.
Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement.
Information about the costs of the Credit Card Account described in this disclosure is accurate as of July 28, 2017. This information may have changed after this date. To find out what may have changed, please write to us at PO Box 3930, Naperville, IL 60567.

Visa® Platinum

Interest Rates and Interest Charges
Annual Percentage Rate
(APR) for Purchases
__VISA_PLATINUM_APR__
The rate you qualify for is based on your creditworthiness.
This APR will vary with the market based on the Prime Rate.
Annual Percentage Rate (APR) for Balance Transfers
20.50% to 28.50%
The rate you qualify for is based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
APR for Cash Advances 20.50% to 28.50%
The rate you qualify for is based on your creditworthiness.
This APR will vary with the market based on the Prime Rate.
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 billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month.
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 here.
Fees
Annual Fee None
Transaction Fees

  • Balance Transfer
  • Cash Advance
  • Foreign Transaction
 

  • None
  • 3% of the Cash Advance including Convenience Checks unless otherwise disclosed ($5 minimum fee/$50 maximum fee)
  • None
Penalty Fees

  • Late Payment
  • Over-the-Credit-Limit
  • Returned Payment
 

  • Up to $25
  • None
  • Up to $25
Other Fees

  • Returned Convenience Check
  • Expedited Card Delivery
  • Card Replacement Fee
 

  • $25
  • $30
  • $10
How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).”
Balance Transfers:
If the total amount you request exceeds your total credit line, we may send full or partial payment to your creditors in the order you provide them to us. Balance Transfers incur interest charges from the date of the transaction. Allow at least 2 weeks for processing. If you have a dispute with a creditor and pay that balance by transferring it to your new account, you may lose certain billing rights. Balance Transfers may not be used to pay off or down any account issued by DuPage Credit Union.
Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement.
Information about the costs of the Credit Card Account described in this disclosure is accurate as of July 28, 2017. This information may have changed after this date. To find out what may have changed, please write to us at PO Box 3930, Naperville, IL 60567.

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