Affinity Credit Card Disclosures

 Affinity Federal Credit Union
Terms, rates, fees and conditions subject to change.		 73 Mountain View Boulevard
PO Box 621
Basking Ridge, NJ 07920
Phone: 800-325-0808
Fax: 908-860-3880		 Equal Housing Lender
Interest Rates and Interest Charges
Annual Percentage Rate (APR) for Purchases
-
-
-

These rates are when you open your account, based on creditworthiness. After that, your APR will vary with the market based on the Prime Rate.
APR for Balance Transfers
-
-
-

This APR will vary with the market based on the Prime Rate.
APR for Cash Advances
-
-
-

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 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 Federal
Reserve Board

To learn more about factors to consider when applying for using a credit card, visit the website of the Federal Reserve Board at www.federalreserve.gov/creditcard
Fees
Annual Fees

None

Transaction Fees

  • Balance Transfer
  • Cash Advance
  • Foreign Transaction

 

  • None
  • None
  • 1% of each transaction in U.S. dollars

Penalty fees

  • Late Payments
  • Over-the-Credit Limit
  • Returned payment

 

  • $25
  • None
  • $25
Other Fees

None

How We Will Calculate Your Balance: Average daily balance method (including current transaction)

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