Credit Card Promotion


1.99% APR for 6 months on all credit card purchases from November 1, 2018 through January 31, 2019!

After the 6 month promotional period ends, the standard variable APR will be applied to unpaid promotional balances. The standard variable APR as of 10/1/2018 is 9.15% to 17.00%, based on individual creditworthiness. Subject to credit approval. Additional limitations, terms and conditions apply.  

Click here for the credit card agreement and disclosure prior to applying.

Interest Rates and Interest Changes
ANNUAL PERCENTAGE RATE (APR) for Purchases 1.99% APR the period November 1, 2018 through January 31, 2019. After six months your standard variable rate will begin to apply on any unpaid purchase balances made during the promotion period. Standard variable rate - Prime + 4.15% to 17.00%; based on individual creditworthiness and our underwriting standards at account opening.*
APR for Balance Transfers Prime + 4.15% to 17.00%, based on individual creditworthiness and our underwriting standards at account opening.*
APR for Cash Advances Prime + 4.15% to 17.00%, based on individual creditworthiness and our underwriting standards at account opening.*
*Rates shown are variable and subject to change. Maximum APR is 17%. Your ANNUAL PERCENTAGE RATE (APR) will be calculated by adding a margin from above to the Prime rate as correctly published in the Wall Street Journal as of the Wednesday immediately preceding the billing cycle. The Credit Union may adjust the rate once each month effective the first day of the billing cycle. APR changes will reflect on the following month’s statement.
Paying Interest 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. We will begin charging interest on cash advances and balance transfers on the transaction date.
Minimum Payment The minimum payment is the greater of 3% of the total new balance or $20.
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://consumerfinance.gov/learnmore
Fees
Annual Fee There is no annual fee on your account
Transaction Fees Promo Balance Transfer Fee: 3% of the amount of each transfer during promotion period.
Cash Advance Fee: $0.00
Foreign Transaction Fee: Up to 1%
Visa Receipt Copy: $5.00 per copy requested
Billing Statement Copy: $5.00 per copy requested
Research Fee: $10.00 per hour
Penalty Fees Late Payment Fee: 20% of the total interest due for any payment that exceeds 7 days past the due date
Returned Payment Fee: $29.00
Stop Payment Fee: $29.00 to add a stop, to delete a stop, or to change a stop on each recurring Visa pre-authorized payment
Recovery Fee: $65.00 - $165.00 if for whatever reason the Credit Union takes action to recover your card

How we will calculate Your Balance: 

We will use a method called “average daily balance (including new purchases)”. See your account agreement for more details.

Billing Rights: 

Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement.

Security Interest For Share Secured Visa

You have entered into a Security Agreement which (1) grants us a security interest in the Fort Bragg FCU share that you opened in connection with your Credit Card and (2) gives us certain rights upon Default (as defined in the Agreement).

Security for Advances and Purchases: 

The Credit Union will acquire a security interest in the property purchased with your credit card; and collateral securing other loans with us may also secure this account. Also, you are giving us a security interest in your shares and other deposits in the Credit Union.

The information about the costs of the card described in this application is accurate as of 08/01/2018.  This information may have changed after that date. To find out what may have changed, call 910.864.2232 or toll free at 800.793.2328 or write Fort Bragg Federal Credit Union, P. O. Box 70240, Fort Bragg, NC 28307.