Credit Card Disclosures

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Credit Card Disclosures

Interest Rates & Interest Charges
APR for Balance TransfersDirigo Platinum:
5.95% Introductory APR, for qualifying members, for 180 days from account opening, based on your creditworthiness.
7.95% to 17.95%, based on your creditworthiness
thereafter.
APR for Cash AdvancesDirigo Platinum:
5.95% to 17.95%, based on your
creditworthiness.
How to Avoid Paying Interest On PurchasesYour 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.
For Credit Card Tips From the Consumer Financial Protection BureauTo learn about factors to consider
when applying for or using a
credit card, visit the website of the
Consumer Financial Protection
Bureau at:
www.consumerfinance.gov/
learnmore


Fees
Set-up & Maintenance Fees
Annual Fee
Account Set-up Fee
Program Fee
Additional Card Fee
Application Fee
None
None
None
None
None
Transaction Fees
Balance Transfer Fee
Cash Advance Fee
Foreign Transaction Fee
None
None
1.00% of each transaction
in U.S. dollars
Penalty Fees
Late Payment Fee
Returned Payment Fee
Up to $25.00
Up to $25.00
How We Will Calculate Your Balance
We use a method called “average daily balance
(including new purchases).”

Fees Continued
Effective Date
The information about the costs of the card described
in this application is accurate as of July 5, 2018. This
information may have changed after that date. To
find out what may have changed, contact the Credit
Union.
The Platinum Rewards Mastercard and Platinum
Mastercard are secured credit cards. Credit extended
under this credit card account is secured by various
personal property and money including, but not limited
to: (a) any goods you purchase with this account,
(b) any shares you specifically pledge as collateral for
this account on a separate Pledge of Shares, (c) all
shares you have in any individual or joint account with
the Credit Union excluding shares in an Individual Retirement Account or in any other account that would lose special tax treatment under state or federal law, and (d) collateral securing other loans you have with
the Credit Union excluding dwellings. Notwithstanding
the foregoing, you acknowledge and agree that
during any periods when you are a covered borrower
under the Military Lending Act your credit card will be
secured by any specific Pledge of Shares you grant us
but will not be secured by all shares you have in any
individual or joint account with the Credit Union. For
clarity, you will not be deemed a covered borrower if:
(i) you establish your credit card account when you
are not a covered borrower; or (ii) you cease to be a
covered borrower.


Other Fees and Disclosures
Late Payment Fee:
$25.00 or the amount of the required minimum
payment, whichever is less, if you are five or more
days late in making a payment
Returned Payment Fee:
$25.00 or the amount of the required minimum
payment, whichever is less.
Pay-by-Phone Fee:
$3.00.
MasterCard and the MasterCard Brand Mark are
registered trademarks of Mastercard International
Incorporated.

Dirigo Platinum


Save money with a MasterCard credit card from Dirigo
FCU. Take advantage of great rates and member-friendly
terms, including:

  • *Special LOW Introductory Rate of 5.95% for the
    first 6 months (180 days)
  • FIXED rates as low as 7.95% APR1 after the introductory period
  • Travel insurance
  • No Annual Fee

Reliable Card with Rewards

  • *As low as 7.95% APR
  • *Easy terms and payment options

Online Access
Your account is just a click away! Access to your
MasterCard credit card is free and available anytime
through a secure internet connection, providing you with
up-to-date account information wherever you are. Just
login to Dirigo FCU Online Banking to access your credit
card online services.

Features

  • View your transaction history
  • Make a payment
  • Sign up for e-Statements
  • View previous statements (up to 6 months of e-statements)
  • Manage your account
  • Turn your card off
  • Flag your card for travel

e-Statements

Move from your mailbox to your inbox. Dirigo FCU e-Statements allow you to view your credit card statement wherever you have access to email and Dirigo FCU Online Banking. Plus, they are FREE, and you will have peace of mind knowing you are saving trees and accessing your statements in a secure way.

*Introductory rate based on creditworthiness