Tinker Federal Credit Union


TFCU Home Branch

ENROLL

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Credit Card Rate Disclosures and Application

Visa Platinum
Interest Rates and Interest Charges
Annual Percentage Rate (APR)
for Purchases

3.99%

Introductory rate on purchases for six months from date of account opening; thereafter, the APR is set by your credit rating at the time of account opening.*

Rate 1 – 9.50%
Rate 2 – 10.50%
Rate 3 – 11.50%

Please refer to the card carrier for the APR on your account. This APR will vary with the market, based on the Prime Rate.
APR for Balance Transfers Rate 1 – 9.50%
Rate 2 – 10.50%
Rate 3 – 11.50%
Balance transfer APR: The current program APR, which will be set by your credit rating at the time of account opening.* Please refer to the card carrier for the APR on your account. This APR will vary with the market, based on the Prime Rate.
APR for Cash Advances Rate 1 – 9.50%
Rate 2 – 10.50%

Rate 3 – 11.50%
Cash advance APR: The current program APR, which will be set by your credit rating at the time of account opening.* Please refer to the card carrier for the APR on your account. This APR will vary with the market, based on the Prime Rate.
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.
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
Visa Platinum
Fees
Set-Up and Maintenance Fees Annual Fee — None.
Transaction Fees
  • Balance Transfer Fee— None.
  • Cash Advance Fee — None.
  • Foreign Transaction — 1% of each transaction in U.S. dollars.
Penalty Fees Late Payment
Up to $22 – If your minimum monthly payment is not received by us on the due date on your monthly statement, we may impose a late fee of up to $22, which will be reflected on the following monthly statement.
Returned Check Fee
Up to $20 – The Credit Union may charge a return check fee for each return by a bank or other depository institution of a dishonored check, negotiable order of withdrawal or share draft issued by cardholder(s) as payment on the credit card account.
Other Fees Statement Copy
$2The Credit Union may charge a $2.00 fee for each duplicate copy of requested monthly billing statement(s).
Ticket Copy

The Credit Union may charge for each duplicate copy of requested sales slip(s). However, if the request for a duplicate copy of a sales slip is in connection with any disputed billing matter, (see “YOUR BILLING RIGHTS” in the Cardholder Agreement and Disclosure Statement that will accompany your credit card), a fee will not be imposed.

$25 – Travel and entertainment documents
$6 – Original sales slip
$5 – Photocopy of sales slip.

Card Replacement
$13 – The Credit Union may charge for each credit card that is reissued prior to the current cards expiration date.

How We Will Calculate Your Balance: We use a method called “Average Daily Balance (including new purchases).”

*The credit score ranges are as follows: Rate 1 (700 and above) Rate 2 (660 to 699) Rate 3 (0 to 659).

This information is accurate as of the revision date of 7/1/2017. Information is subject to change after 7/1/2017. Contact the TFCU Card Center at (405) 319-2255 OKC, (918) 592-0324 ext. 2255 Tulsa, (580) 310-0324 ext. 2255 Ada, (405) 707-7440 ext. 2255 Stillwater, (580) 233-3330 ext. 2255 Enid, or 1-800-456-4828 ext. 2255, for questions concerning any changes occurring after the revision date of 7/1/2017.

Visa Signature
Interest Rates and Interest Charges
Annual Percentage Rate (APR)
for Purchases

0.00%

Introductory rate on purchases for six months from date of account opening; thereafter, the APR is set by your credit rating at the time of account opening.*

Rate 1 – 11.75%
Rate 2 – 13.75%
Rate 3 – 15.75%

Please refer to the card carrier for the APR on your account. This APR will vary with the market, based on the Prime Rate.

APR for Balance Transfers

0% Introductory Rate is not available for transfers from current TFCU credit card accounts. See “Other Terms” below.

0.00%

Introductory rate on balance transfers for six months on balance transfers that occur within the first 60 days of account opening; thereafter, the APR is set by your credit rating at the time of account opening.*

Rate 1 – 13.75%
Rate 2 – 15.75%
Rate 3 – 17.75%

Balance transfer APR: The current program APR, which will be set by your credit rating at the time of account opening.* Please refer to the card carrier for the APR on your account. This APR will vary with the market, based on the Prime Rate.
APR for Cash Advances Rate 1 – 13.75%
Rate 2 – 15.75%

Rate 3 – 17.75%
Cash advance APR: The current program APR, which will be set by your credit rating at the time of account opening.* Please refer to the card carrier for the APR on your account. This APR will vary with the market, based on the Prime Rate.
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.
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
Visa Signature
Fees
Set-Up and Maintenance Fees Annual Fee — $20
Transaction Fees
  • Balance Transfer Fee — 2.50%
  • Cash Advance Fee — 2.00%
  • Foreign Transaction — 1% of each transaction in U.S. dollars.
Penalty Fees Late Payment
Up to $22 – If your minimum monthly payment is not received by us on the due date on your monthly statement, we may impose a late fee of up to $22, which will be reflected on the following monthly statement.
Returned Check Fee
Up to $20 – The Credit Union may charge a return check fee for each return by a bank or other depository institution of a dishonored check, negotiable order of withdrawal or share draft issued by cardholder(s) as payment on the credit card account.
Other Fees Statement Copy
$2The Credit Union may charge a $2.00 fee for each duplicate copy of requested monthly billing statement(s).
Ticket Copy

The Credit Union may charge for each duplicate copy of requested sales slip(s). However, if the request for a duplicate copy of a sales slip is in connection with any disputed billing matter, (see “YOUR BILLING RIGHTS” in the Cardholder Agreement and Disclosure Statement that will accompany your credit card), a fee will not be imposed.

$25 – Travel and entertainment documents
$6 – Original sales slip
$5 – Photocopy of sales slip.

Card Replacement
$13 – The Credit Union may charge for each credit card that is reissued prior to the current cards expiration date.

How We Will Calculate Your Balance: We use a method called “Average Daily Balance (including new purchases).” (See “INTEREST CHARGE CALCULATION METHODS” in the Cardholder Agreement and Disclosure Statement that will accompany your credit card.)

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is included in the Cardholder Agreement and Disclosure Statement that will accompany your credit card under the YOUR BILLING RIGHTS section.

*The credit score ranges are as follows: Rate 1 (700 and above) Rate 2 (660 to 699) Rate 3 (0 to 659).

Your account must be open to receive a Year-End Purchase Summary and to use other program benefits.

Other Terms: IMPORTANT NOTICE TO CURRENT TFCU CREDIT CARD ACCOUNT HOLDERS If you currently have a credit card issued by TFCU and you decide to apply to instead use the new VISA Signature Cash-Back credit card to be issued by TFCU, there are a number of important disclosures of terms for you to consider first before you apply.  You will not be charged the 2.50% balance transfer fee for transfers from your current TFCU-issued credit card, but you will NOT receive the promotional rate of 0% APR for 6 months.  Instead, you will be required to continue to pay Prime Rate plus the percentage rates set based on your credit score at the time you opened the account on any amounts you transfer to this card.  You will also be paying an interest rate which will be the HIGHER RATES on the chart for your specific type of card on all new purchases, balance transfers, and cash advances if you do not pay off the entire outstanding balance each month before the 25-day grace period to make your payment expire each month.  You also will pay a new 2.50% balance transfer fee on all balance transfers from other lenders.  You will be paying a new 2.00% fee on all cash advances.  On your current account you do not have any fee on balance transfers or cash advances, although both do immediately begin to accrue interest, just as they will on this new account, but at the lower rates instead of the higher interest rate you will pay on the new account.  You will be paying a $20 annual fee.  You will lose any CURewards points you may have if you close your current account before the points are used.  Lower credit limits may be set on the new account and you will not be permitted to transfer balances if you choose to keep your current card and also apply for the new account, and your credit score may be affected.

This information is accurate as of the revision date of 10/1/2017. Information is subject to change after 10/1/2017. Contact the TFCU Card Center at (405) 319-2255 OKC, (918) 592-0324 ext. 2255 Tulsa, (580) 310-0324 ext. 2255 Ada, (405) 707-7440 ext. 2255 Stillwater, (580) 233-3330 ext. 2255 Enid, or 1-800-456-4828 ext. 2255, for questions concerning any changes occurring after the revision date of 10/1/2017.

Gold MasterCard
Interest Rates and Interest Charges

Annual Percentage Rate
(APR)
for Purchases

3.99%

introductory rate on purchases for six months from date of account opening; thereafter, the APR is set by your credit rating at the time of account opening.*

Rate 1 – 9.25%
Rate 2 – 10.25%
Rate 3 – 11.25%

Please refer to the card carrier for the APR on your account. This APR will vary with the market, based on the Prime Rate.
APR for Balance Transfers Rate 1 – 9.25%
Rate 2 – 10.25%
Rate 3 – 11.25%
Balance transfer APR: The current program APR, which will be set by your credit rating at the time of account opening.* Please refer to the card carrier for the APR on your account. This APR will vary with the market, based on the Prime Rate.
APR for Cash Advances Rate 1 – 9.25%
Rate 2 – 10.25%
Rate 3 – 11.25%
Cash advance APR: The current program APR, which will be set by your credit rating at the time of account opening.* Please refer to the card carrier for the APR on your account. This APR will vary with the market, based on the Prime Rate.
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.
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
Gold MasterCard
Fees
Set-Up and Maintenance Fees Annual Fee — None.
Transaction Fees
  • Balance Transfer Fee— None.
  • Cash Advance Fee — None.
  • Foreign Transaction — 1% of each transaction in U.S. dollars.
Penalty Fees Late Payment
Up to $22 – If your minimum monthly payment is not received by us on the due date on your monthly statement, we may impose a late fee of up to $22, which will be reflected on the following monthly statement.
Returned Check Fee
Up to $20 – The Credit Union may charge a return check fee for each return by a bank or other depository institution of a dishonored check, negotiable order of withdrawal or share draft issued by cardholder(s) as payment on the credit card account.
Other Fees Statement Copy
$2 The Credit Union may charge a $2.00 fee for each duplicate copy of requested monthly billing statement(s).
Ticket Copy

The Credit Union may charge for each duplicate copy of requested sales slip(s). However, if the request for a duplicate copy of a sales slip is in connection with any disputed billing matter, (see “YOUR BILLING RIGHTS” in the Cardholder Agreement and Disclosure Statement that will accompany your credit card), a fee will not be imposed.

$25 – Travel and entertainment documents
$6
 – Original sales slip
$5
 – Photocopy of sales slip.

Card Replacement
$13 – The Credit Union may charge for each credit card that is reissued prior to the current card’s expiration date.

How We Will Calculate Your Balance: We use a method called “Average Daily Balance (including new purchases).”

*The credit score ranges are as follows: Rate 1 (700 and above) Rate 2 (660 to 699) Rate 3 (0 to 659).

This information is accurate as of the revision date of 7/1/2017. Information is subject to change after 7/1/2017. Contact the TFCU Card Center at (405) 319-2255 OKC, (918) 592-0324 ext. 2255 Tulsa, (580) 310-0324 ext. 2255 Ada, (405) 707-7440 ext. 2255 Stillwater, (580) 233-3330 ext. 2255 Enid, or 1-800-456-4828 ext. 2255, for questions concerning any changes occurring after the revision date of 7/1/2017.

Visa Classic & Standard MasterCard
Interest Rates and Interest Charges

ANNUAL
PERCENTAGE RATE
(APR)
for purchases

3.99%

introductory rate on purchases for six months from date of account opening; thereafter, the APR is set by your credit rating at the time of account opening.*

Option “A”
Rate 1 – 8.90%
Rate 2 – 9.90%
Rate 3 – 10.90%

Option “B”
Rate 1 – 9.50%
Rate 2 – 10.50%
Rate 3 – 11.50%

Please refer to the card carrier for the APR on your account. This APR will vary with the market, based on the Prime Rate.
APR for Balance Transfers Option “A”
Rate 1 – 8.90%
Rate 2 – 9.90%
Rate 3 – 10.90%
Option “B”
Rate 1 – 9.50%
Rate 2 – 10.50%
Rate 3 – 11.50%
Balance transfer APR: The current program APR, which will be set by your credit rating at the time of account opening.* Please refer to the card carrier for the APR on your account. This APR will vary with the market, based on the Prime Rate.
APR for Cash Advances Option “A”
Rate 1 – 8.90%
Rate 2 – 9.90%
Rate 3 – 10.90%
Option “B”
Rate 1 – 9.50%
Rate 2 – 10.50%
Rate 3 – 11.50%
Cash advance APR: The current program APR, which will be set by your credit rating at the time of account opening.* Please refer to the card carrier for the APR on your account. This APR will vary with the market, based on the Prime Rate.
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.
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
Visa Classic & Standard MasterCard
Fees
Set-Up and Maintenance Fees
  • Annual Fee:
    — Option “A” — $25
    — Option “B” — None
Transaction Fees
  • Balance Transfer Fee — None.
  • Cash Advance Fee — None.
  • Foreign Transaction — 1% of each transaction in U.S. dollars.
Penalty Fees Late Payment
Up to $22 – If your minimum monthly payment is not received by us on the due date on your monthly statement, we may impose a late fee of up to $22, which will be reflected on the following monthly statement.
Returned Check Fee
Up to $20 – The Credit Union may charge a return check fee for each return by a bank or other depository institution of a dishonored check, negotiable order of withdrawal or share draft issued by cardholder(s) as payment on the credit card account.
Other Fees Statement Copy
$2 – The Credit Union may charge a $2.00 fee for each duplicate copy of requested monthly billing statement(s).
Ticket Copy

The Credit Union may charge for each duplicate copy of requested sales slip(s). However, if the request for a duplicate copy of a sales slip is in connection with any disputed billing matter, (see “YOUR BILLING RIGHTS” in the Cardholder Agreement and Disclosure Statement that will accompany your credit card), a fee will not be imposed.

$25 – Travel and entertainment documents
$6 
– Original sales slip
$5 
– Photocopy of sales slip.

Card Replacement
$13 – The Credit Union may charge for each credit card that is reissued prior to the current cards expiration date.

How We Will Calculate Your Balance: We use a method called “Average Daily Balance (including new purchases).”

*The credit score ranges are as follows: Rate 1 (700 and above) Rate 2 (660 to 699) Rate 3 (0 to 659).

This information is accurate as of the revision date of 7/1/2017. Information is subject to change after 7/1/2017. Contact the TFCU Card Center at (405) 319-2255 OKC, (918) 592-0324 ext. 2255 Tulsa, (580) 310-0324 ext. 2255 Ada, (405) 707-7440 ext. 2255 Stillwater, (580) 233-3330 ext. 2255 Enid, or 1-800-456-4828 ext. 2255, for questions concerning any changes occurring after the revision date of 7/1/2017.

TFCU MEMBER APPLY

To apply, log in to Home Branch and select “New Loan” or click above.

NON-TFCU MEMBER APPLY
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