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The APR is variable and the rate will not exceed 18%. Rates quoted for loans assume automatic payment transfer. Add .50% for all other payment methods. All Visa accounts have a 25-day grace period on purchases. *Optional TRAVEL REWARDS package available on Platinum cards with a $25 annual fee. Annual fee to be assessed on the first billing cycle and annually thereafter. A Foreign Transaction Fee of 1% of the transaction amount will be charged to you for any transaction made in a foreign country. All rates and dividends are determined by the Board of Directors and are subject to change at any time. All services offered by FTCU shall be subject to applicable State and Federal law, Credit Union bylaws, and all regulations, rules and practices now or hereafter adopted by FTCU.
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