Visa and MasterCard - First Federal

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Personal

Visa and MasterCard

Whether it’s Florence, South Carolina or Florence, Italy... now, you can take a piece of home with you wherever you go. Just carry a First Federal VISA or MasterCard. And while you’re showing off the Lowcountry, you can enjoy these money-saving features:

A First Federal VISA or MasterCard credit card delivers a competitive rate and plenty of features.

A Low Interest Rate! Just Prime + 3.9% Annual Percentage Rate interest on any balance.
25 Day Grace Period! Pay your balance for purchases in full within 25 days of your billing date and there’s no finance charge. It’s like having money free for 25 days.
No Annual Fee

Account Details:

INTEREST RATE AND INTEREST CHARGES

Annual Percentage Rate for Purchases and Cash Advances	7.15%. This APR will vary with the market based on the Prime Rate, 3.25% as of February 1, 2012, plus 3.9%.
Variable Rate Information	This APR will vary with the market based on the Prime Rate as published in the Wall Street Journal. The rate is determined by adding 3.9% to the Prime Rate and will not exceed 18.00%.
Paying Interest	Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date.
Minimum Interest Charge	None
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 website of the Federal Reserve Board at http://www.federalreserve.gov/creditcard.
MASTERCARD AND VISA FEES
Annual Fee	None
Transaction Fees
Cash Advance	Either $3.00 or 2% of the amount of each cash advance, whichever is greater (maximum fee: $50)
Foreign Transaction	1% conversion or processing fee for all transactions performed in foreign countries.
Penalty Fees
Late Payment	$6.80 late fee will be imposed if we do not receive the minimum required payment listed on your current statement within 10 days after the next statement’s closing date.
Returned Check	$25.00
Overlimit	None
Method of Computing the Balance for Purchases	Average daily balance including new purchases

*The information about the costs of the cards described herein is accurate as of February 1, 2012. This information may have changed after that date. To find out what may have changed, call us at (843) 529-5963 or (800) 768-3248 if calling long distance, or write to us at P.O. Box 118068, Charleston, SC 29423.

For a copy of your credit card agreement please call 1-800-768-3248 ext. 5963

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