DGEFCU Products & Services

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Annual Percentage Rate as low as 9.5% APR.
One of the lowest fixed interest rates available.
The rate’s the same for cash advances and balances transferred from other credit cards.

No Annual Fee
You don’t have to pay for the privilege of carrying our cards.

25-Day Grace Period
If your previous balance is zero and you pay off the new balance within 25 days of the closing date, we won’t charge you any interest. You’ll pay interest only on amounts carried forward. (Cash advances do not have a grace period.)

Worldwide Acceptance
Visa is readily accepted worldwide. Use it for identification, too.

Cash Advances
You can use your DGE FCU Visa card to get cash from any ATM in the international Visa PLUS network—free of charge.

Verified by Visa protects your existing Visa card with a personal password, giving you reassurance that only you can use your Visa card online.

To report a Credit Card lost or stolen, please call 800-808-7230 during business hours or call 800-991-4964 after hours.

Find out how to compare credit card offers.

INTEREST RATES AND INTEREST CHARGES
Annual Percentage Rate (APR) for Purchases	as low as 9.5%
Purchases and Cash Advances	as low as 9.5%
APR for Balance Transfers	as low as 9.5%
How to Avoid Paying Interest on Purchases	Your due date is at least 25 days after the close of each billing cycle. We do not charge you interest on purchases if you pay your entire balance by the due date each month.
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 Fee	None for Classic $10 for Platinum
Transaction Fees For Purchases For Cash Advances	None None
Penalty Fees Late Payment Fee Returned Check Fee	$10 for Classic $25 for Platinum Over 20 days: $49.99 $20

How We Will Calculate Your Balance. We will use a method called “average daily balance (including new purchases).”

The information contained in this disclosure is accurate as of March 1, 2011.