Tinker Federal Credit Union


TFCU Home Branch

ENROLL

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.

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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