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.

Annual Percentage Rate for Classic:	as low as 9.5%
Purchases and Cash Advances	as low as 9.5%
Grace Period for Purchases	You have 25 days to repay your balance for purchases before being charged a finance charge
Method of computing repayment of balances for purchases	Average Daily Balance (excluding new purchases)
Method of computing repayment of balances for cash advances & balance transfers	Finance charges accrue from date of advance or first day in billing cycle in which the cash advance is posted to the account, whichever is later
Annual Fee	None
Minimum Finance Charge	None
Transaction Fee for Purchases	None
Transaction Fee for Balance Transfers & Cash Advances	None
Over Credit Limit Fee	$10.00
Late Payment Fee if payment is received 20 or more days after the due date.	$10.00
Returned Check Fee	$20.00
Minimum Monthly Payment	4% of Total New Balance or $25.00, whichever is greater, plus amount of prior minimum payments not made, and any amount over credit limit

The information contained in this disclosure is accurate as of November 1, 2005.

Federally Insured by the NCUA