| CREDIT CARD RATES, FEES and COST INFORMATION | |
| The following disclosure represents important details concerning your credit card. We reserve the right to periodically review your credit standing and to increase any rate on your new balances in accordance with applicable law. The information about costs of the card is accurate as of April 15, 2025. You can write to us at One Nevada Credit Union, 2645 S Mojave Rd, Las Vegas, NV 89121, or call (800) 388-3000 to inquire if any changes have occurred since the effective date. | |
| INTEREST RATES and INTEREST CHARGES | |
| Annual Percentage Rate (APR) for Purchases, Cash Advances & Balance Transfers | 17.00% Fixed Rate |
| Paying Interest | Your due date is at least 21 days after we mail your billing statement. We will not charge you interest on purchases if you pay your entire new purchases balance by the due date each month. For Cash Advances and Balance Transfers, we will begin charging interest on the transaction date. |
| Minimum Finance Charge | If you are charged interest, the charge will be no less than $1.00. |
| For Credit Card Tips from the Consumer Financial Protection Bureau | 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 |
| FEES | |
Fees to Open or Maintain your Account
| None None |
Transaction Fees
| 2% of each transaction, minimum $5.00 2% of each transaction, minimum $5.00 (does not include non-ONCU ATM fees) 2% of each transaction in U.S. dollars if the transaction does or does not involve a currency conversion |
Penalty Fees
| $27 or your minimum payment required, whichever is less, if your payment is not received by your due date None $35 if your payment is returned for any reason |
How We Will Calculate Your Balance: We use a method called “average daily balance including new purchases.” See your account agreement for more details.
Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement.
OTHER IMPORTANT DISCLOSURES:
Suspension of electronic services and access to share or deposits accounts. Subject to applicable law, we may suspend some or all electronic services and access to your checking or other account(s) if you become delinquent on any of your credit card or deposit obligations to us or you cause a loss to us. We shall not be liable to you in any regard in connection with such suspension of services.
Minimum Payment Requirement: 3% of the outstanding balance, subject to a minimum of $25.00. Balances of less than $25.00 must be paid in full.
Other Fees: In addition to the fees disclosed above, the following fees may be imposed:
Statement Copy Fee: $5.00
IMPORTANT DISCLOSURES FOR ACTIVE MEMBERS OF THE MILITARY AND THEIR DEPENDENTS:
The Military Lending Act applies to this credit card account if at the time you establish the account you are an active member of the military or a dependent (as defined in the Military Lending Act, 10 U.S.C. 987 and implementing regulations). The following terms and conditions amend your credit card agreement and apply during any period(s) in which you are active in the military or a dependent under those definitions. They do not apply when you are not an active-duty member of the military or a dependent.
- NOTICE: Federal law provides important protections to members of the Armed Forces and their dependents relating to extensions of consumer credit. In general, the cost of consumer credit to a member of the Armed Forces and his or her dependent(s) may not exceed an annual percentage rate of 36 percent. This rate must include, as applicable to the credit transaction or account; the costs associated with credit insurance premiums or debt protection fees; fees for ancillary products sold in connection with the credit transaction; any application fee or participation fee unless they are bona fide and reasonable under the MLA. To receive this notice verbally, please call 1-844-269-7201 during our normal business hours.
- Advances will not be secured by a consensual lien on shares or deposits in any of your share or deposit accounts unless you specifically agree to establish a secured share or deposit account in connection with this credit card account (“Secured Account”). Only funds deposited into the Secured Account after the credit card is established will secure advances. Any cross-collateralization provision contained in your credit or membership documents will not apply to the Secured Account or your other share or deposit accounts for this account. However, with regard to this credit card account, we still reserve our rights regarding statutory liens and administrative freeze under federal or state law. Any contract terms in your credit card, security, or membership agreements that contradict the above shall be inapplicable.
- Your credit card account is not subject to mandatory arbitration and therefore any reference to mandatory arbitration in connection with this credit card account does not apply.