APR=Annual Percentage Rate. Your APR will be based on your creditworthiness at the time you open your account (6.75% APR – 18.00% APR). 6.75% APR – 18.00% APR applies to purchases, balance transfers, and cash advances. There is no minimum interest charge – to avoid interest on purchases pay your entire balance by the due date each month. To learn more about applying and using a credit card visit: www.consumerfinance.gov/learnmore. No annual fees, transfer fees, cash advance fees, or transaction fees for purchases. 1.00% APR (of each transaction in U.S. dollars) foreign transaction fee applies. Penalty fees: $15.00 (up to) late payment – $25.00 (up to) return payment. Balances are calculated using the “average daily balance (including new purchases)” method. The information about the costs of the card described in this application is accurate as of: September 26, 2017. This information may have changed after that date. To find out what may have changed, contact the Credit Union. Americo FCU membership is required. Membership Share $5.00 par value (par value is not a fee). All loan rates subject to change without notice. All loans are subject to credit approval. Certain terms and conditions may apply. *To qualify for flat screen giveaway – you must qualify for credit (new card) between 03/01/2019 and 03/31/2019. No purchase necessary. All qualifying entries must be received by 5:00 P.M. on March 31st, 2019. See official rules for complete details and regulations. Contact a loan officer for additional information at (814) 899-6608.