Credit Card Overview

ACCU Mastercard Credit Card

• Open-end revolving loan with options for Rewards or non-Rewards card.
• Rewards card earns points redeemable through Alliance Rewards.
• No application fee required for the card.
• Variable interest rate adjusts monthly with prime rates.
• Due dates are fixed based on statement cycle dates.
• No collateral required unless applying for a share secured card.
• Minimum credit limit set at 500,maximumlimitreaches500, maximum limit reaches 500,maximumlimitreaches30,000.
• No balance transfer fee or reissue fee for lost/stolen cards.
• Reissue fee applicable for same card number, except in cases of loss/stolen.
• No early payoff penalties but a late fee of $30 applies.
• Members report lost or suspicious activity by calling 1-844-408-2228.
• Reward points expire after 3 years, with notifications sent 6 months prior.

Overdraft Line of Credit (ODLOC)

• Revolving credit line covers checking account overdrafts.
• No application fee and fixed interest rate applies.
• Due dates are fixed at the 28th of every month.
• Minimum credit limit begins at 500,maximumlimitis500, maximum limit is 500,maximumlimitis5,000.
• Early payoff penalties are not enforced.
• Late fee set at the greater of $15 or 15% of interest due after 10 days.

Signature Loan

• Closed-end personal loan secured by the borrower's signature.
• Unsecured loan available for personal expenses like weddings or vacations.
• Application fee is waived; loans range from 12 to 60 months.
• Fixed interest rate and members can choose their due date.
• Minimum and maximum loan amounts vary between 500to500 to 500to30,000.
• No early payoff penalty; late fees apply for payments over 10 days late.

Tuition Loan (K-12)

• Closed-end loan designed for financing private school tuition for K-12.
• Available for any eligible private K-12 school with funds disbursed via Cashier Check.
• No application fee with terms up to 12 months and a fixed interest rate.
• Minimum loan amount is 1,000,maximumamountis1,000, maximum amount is 1,000,maximumamountis6,000.
• Members can choose their due date, with late fees applicable after 10 days.

Home Improvement and Celebration Loans

• Both are unsecured loans aimed at personal financing needs.
• Home Improvement loans target renovations or furnishings with competitive rates.
• Celebration Loans assist in financing life events like graduations or weddings.
• Both loans offer amounts up to $30,000 and terms up to 60 months.
• Initial payment can be deferred for up to 90 days.

Additional Information

• All loans require membership eligibility, with applicants needing to be at least 18 years old.
• Interest rates are subject to change without prior notice and depend on credit ratings.