RT# 267078707
RT# 267078707
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Credit Card Disclosures

The following disclosure represents important details concerning your credit card. The information about costs of the card are accurate as of January 1, 2023. You can contact us toll free at 1-800-338-0566, to inquire if any changes occurred since the effective date.
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Interest Rates and Interest Charges
Annual Percentage Rate (APR) for Purchases & Balance Transfers

VISA PLATINUM
3.99% Introductory APR for 6 months.
After that, your Standard APR will be
8.90% - 16.90%
depending on your credit history.

VISA PLATINUM REWARDS
3.99% Introductory APR for 6 months.
After that, your Standard APR will be
9.90% - 17.90%
depending on your credit history.

VISA PLATINUM SECURED
8.90%
APR for Cash Advances

VISA PLATINUM
8.90% - 16.90% depending on your credit history.

VISA PLATINUM REWARDS
9.90% - 17.90% depending on your credit history.

VISA PLATINUM SECURED
8.90%
Paying Interest

Your due date is at least 21 days after we mail your billing statement. 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 If you are charged interest, the charge will be no less than $0.50.
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:
- Application Fee:


None
None
Transaction Fees
- Balance Transfer:
- Cash Advance:
- Foreign Transaction:
None
None
1.00% of each transaction in U.S. dollars

Penalty Fees
- Late Payment:
- Over-the-Credit-Limit:
- Returned Payment Fee:
Up to $25.00 if your payment is late 10 days or more.
None
Up to $29.00 if your payment is returned for any reason.

How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).”

Loss of Introductory Rate: We may end your Introductory Rate and apply the standard APR disclosed above if you make a late payment.

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Copyright © 2025 SUN Credit Union. All Rights Reserved

Your Savings Federally Insured to at least $250,000 and backed by the full faith and credit of the United States Government National Credit Union Administration. Equal Housing Opportunity. Copyright 2024 SUN Credit Union. Cookies are used on this website to improve functionality and performance and to analyze traffic to the website.

1 Annual Percentage Rate (APR) = Annual Percentage Rate. Subject to term and credit qualifications. Annual percentage rates may vary. Annual percentage rates may change during loan terms on variable rate products. Membership and/or participation fees may apply. Inquire about specific fees for a product through your credit union.

2 Annual Percentage Yield (APY) = Annual Percentage Yield. Rates may change at any time without prior notice after the account is opened. Fees may reduce earnings. APY determined at time of funding.

Membership qualifications and account opening required for all products and services. Minimum credit or risk score may be required to qualify for products and services.