Rates, Charges, & Fees

Interest Rates & Interest Charges

Annual Percentage Rate (APR) for Purchases

8.90% to 18.00%, based on your creditworthiness.

APR for Balance Transfers

8.90% to 18.00% based on your creditworthiness.

APR for Cash Advances

8.90% to 18.00% based on your creditworthiness.

How to Avoid Paying Interest on Purchases Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases, provided you pay your entire balance by the due date each month. 
Minimum Interest Charge If you are charged interest, the charge will be no less than $0.50. The minimum interest charge will be charged on any dollar amount.
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 Consumer Financial Protection Bureau at  http://www.consumerfinance.gov/learnmore.


Transaction Fees: Foreign Transaction Fee 1.00% of each transaction in U.S. dollars
Penalty Fees: Late Payment Up to $25.00
Penalty Fees: Returned Payment Up to $25.00

How We Will Calculate Your Balance

We use a method called "average daily balance (including new purchases)".

Effective Date

The information about the costs of the card described in this application is accurate as of January 1, 2015. This information may have changed after that date. To find out what may have changed, contact the Credit Union.

Other Disclosures

Late Payment Fee $25.00 or the amount of the required minimum payment, whichever is less, if you are seven (7) or more days late in making a payment
Returned Payment Fee $25.00 or the amount of the required minimum payment, whichever is less.
Statement Copy Fee $5.00
Document Copy Fee $5.00
Rush Fee $50.00
Card Replacement Fee $10.00

What Are My Billing Rights?

Information on your rights to dispute transactions and how to exercise those rights will be provided to you in the Additional Disclosures or Card Agreement you will receive before your card is activated.

Conditions & Qualifications

To qualify for a St. Paul Federal Credit Union credit card account, certain conditions must be met.

  • Approval is based upon satisfying St. Paul Federal Credit Union's credit standards.
  • Applicant must be at least 18 years of age and have a valid social security number.
  • Applicant must qualify for membership and be a member of St. Paul Federal Credit Union.
  • We may gather information about you, including from your employer, other financial institutions, credit bureaus, and others, to verify and determine your eligibility for credit, renewal of credit, and future extensions of credit.  If you request, we will tell you whether or not we requested a credit bureau report and the names and addresses of any credit bureaus that provided us with such reports.

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