Credit Card Overview

Study Notes

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.

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.

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.

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.

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.