Jeanne D'Arc Credit Union

VISA® Credit Card Rates

Rates current as of December 09, 2016.

Interest Rates and Interest Charges
Annual Percentage Rate (APR)
for Purchases
1.99%
introductory APR for the first 6 months after account opening, based on your program and creditworthiness. After that, your APR will be 7.99% to 15.99%, based on your program and creditworthiness.
Annual Percentage Rate (APR)
for Balance Transfers
1.99%
introductory APR for the first 6 months after account opening, based on your program and creditworthiness. After that, your APR will be 7.99% to 15.99%, based on your program and creditworthiness.
Annual Percentage Rate (APR)
for Cash Advances
1.99%
introductory APR for the first 6 months after account opening, based on your program and creditworthiness. After that, your APR will be 7.99% to 15.99%, based on your program and creditworthiness.
Penalty APR and When it Applies None
How to Avoid Paying Interest on Purchases

Your due date is 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.

Cash Advances and Balance Transfers are always subject to interest charges from the date they are posted to your account.

Minimum Interest Charge If you are charged interest, the charge will be no less than $.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
Annual Fee None
Maintenance Fee None
Transaction Fees Balance Transfer
None

Cash Advance
2.00% of transaction or $5 minimum; $50 maximum

International Transaction
With currency conversion1.00% of the amount of your transaction in U.S. Dollars
Without currency conversion0.8% of the amount of your transaction in U.S. Dollars

Penalty Fees Late Payment
10% of the new balance; $10 maximum
Returned Payment
Up to $25
Still Have Questions?
Email us, call us at 978-452-5001 or visit any convenient branch.

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

The information on this form is accurate as of November 1, 2015 and is subject to change. To find out if any of this information has changed since that date, call us at 1-877-604-5328 or write to Jeanne D’Arc Credit Union, P.O. Box 1238, Lowell, MA 01853.