Rates, Fees and Terms

Effective June 1, 2010

Note: This is a Disclosure of current rates, fees and terms specifically listed below. All other terms not described in this Disclosure continue to apply to your account. This applies to all newly opened accounts, upgrades and approved limit increases

Interest Rates and Interest Charges

Annual Percentage Rate (APR) -  9.5% (Platinum), 10.5% (Gold), 14.5% (Classic) or 17.75% (Standard): all non-variable

For Purchases - Rates are based on your credit worthiness

Other APRs - 10.5% (Platinum), 11.5% (Gold), 15.5% (Classic) or 18.75% (Standard): all non-variable for Cash and Overdraft advances and Balance Transfers

Penalty APR - We do not charge a Penalty APR.

How to Avoid Paying Interest on Purchases - Your payment is due at least 25 days after the close of each billing cycle (the 15th of each month). BCCU will not charge you interest on purchases if you pay your entire balance by the due date each month which is the 10th of each month. You are charged interest on Cash Advances (including Convenience Checks), balance transfers and overdraft advances on the transaction date.

Paying Interest - No interest will be charged if you pay your total balance in full by the due date every billing period. If you do not, you will not get a grace period.

Minimum Interest Charge - If you are charged interest, the minimum charge is $0.00

Minimum Payments - Visa Gold and Visa Platinum Minimum Payments will be an amount equal to 2.00% of your new unpaid Visa Gold or Visa Platinum Account balance at the end of each billing cycle, subject to the lesser of $25.00 or your balance, plus any portion of the Minimum Payments shown on prior statement(s) which remains unpaid, plus any amount that exceeds your approved credit limit.

Visa Standard and Visa Classic Minimum Payments will be an amount equal to 3.00% of your new unpaid Visa Standard or

Visa Classic Account balance at the end of each billing cycle, subject to the lesser of $25.00 or your balance, plus any portion of the Minimum Payments shown on prior statement(s) which remains unpaid, plus any amount that exceeds your approved credit limit.

For Credit Card Tips from the Federal Reserve Board - To learn more about factors to consider when applying for or using a credit card, visit the Web site of the Federal Reserve Board at:
http://www.federalreserve.gov/creditcard
 
Fees

Annual - There is no annual fee on the Platinum, Gold and Classic cards. There is a $20 Annual Fee on the Standard card

Cash Advance - Platinum and Gold Cards, no cash advance fee. Classic and Standard Cards, greater of 1.5% of the amount or $2.00.

Over-the-Limit - There are no over-the-limit fees

Late Payment - $15 when payment is 15 or more days late

Returned Payment Fee - $25



Bay Cities CU

Credit Card Application

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Instructions

Please provide all the requested information. When you have completed the form, press the Submit button to send your application. If necessary, we will contact you for additional information.

The items marked with (*) are required fields.

General Information

Will you be applying for Individual or Joint Credit? *

(If Joint, the co-applicant section has the same required fields as the primary applicant.)

Marital Status: Complete marital status if this loan is for: a. Joint or secured credit, or b. You reside in or rely on property located in a Community Property State. (AZ, CA, ID, LA, NM, NV, TX, WA, WI)

Marital Status
*

Primary Applicant

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Home Address

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Time at Current Residence

Residence Type

Present Employer

Alimony, child support, or separate maintenance income need not be revealed if you do not wish to have it considered as a basis for repaying this obligation.

CoApplicant

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Present Employer

Alimony, child support, or separate maintenance income need not be revealed if you do not wish to have it considered as a basis for repaying this obligation.

Additional Information

How would you prefer to be contacted?

Acknowledgement

Income verification is required; other information may be required.

I certify that statements on this application are true and complete. I authorize any person, association, firm or corporation to furnish, on request of this Financial Institution, information concerning me or my affairs.(Sec. 1014, Title 18, U.S. Code makes it a Federal Crime to knowingly make a false statement on this application.)

IMPORTANT: Please only select "Submit" once. It may take a few moments for the confirmation to appear.