Used Auto Loan - BECU

BECU L E N D I N G R A T E S
A N D R E L A T E D D I S C L O S U R E S
(CREDIT AND SECURITY AGREEMENT ADDENDUM)
Credit Cards Effective February 6, 2015
Interest Rates and Interest Charges
Annual Percentage
0.00% Introductory APR for six (6) months from date of account opening.*
Rate (APR) for Purchases
After that, your APR will be 6.90% to 17.90%, based on your
creditworthiness. This APR will vary with the market based on the Prime Rate.
APR for Balance
Transfers
* Introductory APR is not available for BECU Student or Secured Cards.
0.00% Introductory APR for six (6) months from date of transfer when transfers are
completed within 90 days of account opening.*
After that, 6.90% to 17.90%, based on your creditworthiness. This APR will vary with
the market based on the Prime Rate.
APR for Cash Advances
How to Avoid Paying
Interest on Purchases
For Credit Card Tips from
the Consumer Financial
Protection Bureau
Fees
Annual Fee
Transaction Fees
Cash Advance
Foreign Transaction
Penalty Fees
Late Payment
Returned Payment
* Introductory APR is not available for BECU Student or Secured Cards.
6.90% to 17.90%, based on your creditworthiness.
This APR will vary with the market based on the Prime Rate.
Your due date is at least 23 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.
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.
None
2% of the amount of cash advance, not to exceed $10.
1% of the US dollar amount of the foreign transaction.
Up to $25 for each payment that is 1 or more days late.
Up to $25
How We Will Calculate Your Balance: We use a method called "average daily balance ( including new purchases)." See your
Agreement for more details.
How We Will Calculate Your Rate: After any applicable introductory rate period ends, we will establish a margin of 3.65% to
14.65% based on your creditworthiness, and add this margin to the Prime Rate to determine your APR. Your APR and margin will
be stated in a Credit Voucher provided to you if you open a credit card account under your Credit and Security Agreement.
Other Important Credit Card Terms and Conditions: All terms, including fees and the APRs for new transactions, may change after
account opening in accordance with the Credit and Security Agreement and applicable law. $25 rewards annual participation
fee applies with optional BECU Rewards Program. Go to www.becurewards.com to see important details about the BECU Rewards Program.
Personal Lines of Credit – Rates and Fees
APR
Penalty APR and When
It Applies
Penalty Fees
Late Payment Fee
8.9%, 10.9%, 13.9%, 15.9% or 17.90% based on your creditworthiness when you open your account.
Up to 19.9%
This APR may be applied to your account if you fail twice within any 12 month period to make the
scheduled payment within 29 days of due date or if your Account is considered in default.
How long will ithe Penalty APR apply? If your APR is increased for any of these reasons, the
Penalty APR will apply until you make 12 consecutive minimum payments are due.
For each payment that is 10 or more calendar days late, either $25 or 5% of the minimum payment
amount, whichever is greater.
$25
Returned Payment Fee
Other Important Personal Line of Credit Terms and Conditions: All terms, including fees and the APRs for new transactions, may change
after account opening in accordance with the Agreement and applicable law.
RATES AND TERMS IN EFFECT AS OF FEBRUARY 6, 2015 AND ARE SUBJECT TO CHANGE WITHOUT NOTICE.
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