* Optional Rewards Fee = $39 per year

The APRs for purchases, cash advances, and balance transfers may vary monthly and are determined by adding a fixed percentage (a “margin”) to the Prime Rate as published in The Wall Street Journal on the 15th day of each month (or on the next business day if The Wall Street Journal is not published on that day). The maximum APR for purchases is 18%. The maximum APR for cash advances is 18%.

The Kinecta Credit Card Prime Rate is determined by the highest Prime Rate published in The Wall Street Journal on the 15th of each month. If no paper is published on the 15th day of the month, the rate will be based on the paper published on the next business day. Prime Rate as of 2/15/2009 was 3.25%. Periodic rates are subject to change.

If an account is delinquent for three (3) consecutive months, we may increase the APR (including any introductory rate and promotional rate) on any existing and future purchase and cash advance balances to a maximum APR of 18%. The account holder may apply for a rate reduction back to the current prevailing APR after the account is paid as agreed according to the terms of the Kinecta Federal Credit Union Credit Card Agreement for twelve (12) consecutive months.

Any policies, fees, charges and/or rates stated herein are those in effect on the date of publication and are subject to change. Please contact the Credit Union for any changes that may have occurred since this publication was printed.