Enrichment Federal Credit Union
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EFCU Routing Number: 264281364

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Annual Percentage Rate
Variable Rate Index
and Spread
Balance Calculation Method
Minimum Monthly Payment
Visa Gold: The Annual Percentage Rate is a variable rate (see Variable Rate Index at right). Current rates in effect as of April 1, 2018 are 10.00*/12.00%**

Visa/MasterCard: The Annual Percentage Rate is a variable rate (see Variable Rate Index at right). Current rates in effect as of April 1, 2018 are 11.50%*/13.50%**

* purchases & balance transfers
** cash advances.

The Annual Percentage Rate will be determined by adding the below stated margins to the highest "prime rate" as published under "Money Rates" subsection of the Wall Street Journal on the 15th of the previous month or, if the 15th day of a month is not a business day, then the first business day following the 15th of that month.

Visa Gold: 5% for purchases; 7% for cash advances.

Visa/MasterCard:
6.50% for puchases; 8.50% for cash advances.
Visa Gold: Monthly periodic rate of .8333% applied to the average daily outstanding unpaid balance of credit purchases which is equivalent to 10.00% APR or a daily periodic rate of .027397%.  For cash advances, the daily periodic rate of .032877% would apply.

Visa / MasterCard:
Monthly periodic rate of .9583% applied to the average daily outstanding unpaid balance of credit purchases which is equivalent to 11.50% APR or a daily periodic rate of .031507%. For cash advances, the daily periodic rate of .036986% would apply..
Visa Gold / Visa /  MasterCard: Greater of $10 or 2% of outstanding balance plus any amount in excess of approved credit limit plus any amount past due.

 Late Fee
 Annual Membership Fee
 Transaction Fee
 Grace Period for Purchases
 Card Replacement Fee
Credit Card Tips for Consumer Protection 
Visa Gold / Visa /  MasterCard: The greater of $25 or the minimum monthly payment on payments received more than 10 days after the due date.
Visa Gold / Visa /  MasterCard:
None

Cash Advance Fee-Visa Gold / Visa / MasterCard:
None

Balance Transfer Fee-Visa Gold / Visa / MasterCard:
None
Visa Gold / Visa / MasterCard:
25 days
Visa Gold / Visa / MasterCard:
None
To learn more about factors to consider when applying for a credit card, visit the website of the Consumer Fianncial Protection Bureau at: www.consumerfinance.gov 





















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Enrichment Federal Credit Union
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Annual Percentage Rate
Variable Rate Index
and Spread
Balance Calculation Method
Minimum Monthly Payment
Visa Gold: The Annual Percentage Rate is a variable rate (see Variable Rate Index at right). Current rates in effect as of April 1, 2018 are 10.00*/12.00%**

Visa/MasterCard: The Annual Percentage Rate is a variable rate (see Variable Rate Index at right). Current rates in effect as of April 1, 2018 are 11.50%*/13.50%**

* purchases & balance transfers
** cash advances.

The Annual Percentage Rate will be determined by adding the below stated margins to the highest "prime rate" as published under "Money Rates" subsection of the Wall Street Journal on the 15th of the previous month or, if the 15th day of a month is not a business day, then the first business day following the 15th of that month.

Visa Gold: 5% for purchases; 7% for cash advances.

Visa/MasterCard:
6.50% for puchases; 8.50% for cash advances.
Visa Gold: Monthly periodic rate of .8333% applied to the average daily outstanding unpaid balance of credit purchases which is equivalent to 10.00% APR or a daily periodic rate of .027397%.  For cash advances, the daily periodic rate of .032877% would apply.

Visa / MasterCard:
Monthly periodic rate of .9583% applied to the average daily outstanding unpaid balance of credit purchases which is equivalent to 11.50% APR or a daily periodic rate of .031507%. For cash advances, the daily periodic rate of .036986% would apply..
Visa Gold / Visa /  MasterCard: Greater of $10 or 2% of outstanding balance plus any amount in excess of approved credit limit plus any amount past due.

 Late Fee
 Annual Membership Fee
 Transaction Fee
 Grace Period for Purchases
 Card Replacement Fee
Credit Card Tips for Consumer Protection 
Visa Gold / Visa /  MasterCard: The greater of $25 or the minimum monthly payment on payments received more than 10 days after the due date.
Visa Gold / Visa /  MasterCard:
None

Cash Advance Fee-Visa Gold / Visa / MasterCard:
None

Balance Transfer Fee-Visa Gold / Visa / MasterCard:
None
Visa Gold / Visa / MasterCard:
25 days
Visa Gold / Visa / MasterCard:
None
To learn more about factors to consider when applying for a credit card, visit the website of the Consumer Fianncial Protection Bureau at: www.consumerfinance.gov