Credit Card Interest Rates and Fees

Suncoast Credit Union offers low rate credit card products with competitive terms. Your actual rate and term will be based on your personal credit qualifications.

Suncoast Credit Union — Credit Card Interest Rates and Interest Charges
Annual Percentage Rate (APR) for Purchases	12.5% to 18.0% when you open your account, based on your creditworthiness.
APR for Balance Transfers	14.5% to 18.0% when you open your account, based on your creditworthiness.
APR for Cash Advances	14.5% to 18.0% when you open your account, based on your creditworthiness.
Penalty APR and When it Applies	Not Applicable
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 if you pay your entire balance by the due date each month.
Minimum Interest Charge	Not Applicable
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.

Suncoast Credit Union — Credit Card Fees
Annual Fee	None
Transaction Fees Balance Transfer Cash Advance Foreign Transaction	None None None
Penalty Fees Late Payment Over-the-Credit Limit Returned Payment	Up to $25 None Up to $25
Other Fees Card Replacement	$5

Credit Card Agreement

How We Will Calculate Your Balance: We use a method called "average daily balancing (including new purchases)". See your account agreement for more details.

The above information is accurate as of January 29, 2024. This information may have changed after that date. To find out what may have changed, call us at 1-800-999-5887 or write to us at P.O. Box 11904, Tampa, FL 33680-1904.

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights will be provided in your account agreement.

Military Lending Act Disclosures: 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 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, fees for ancillary products sold in connection with the credit transaction; any application fee charged (other than certain application fees for specified credit transactions or accounts); and any participation fee charged (other than certain participation fees for a credit card account).

Please call us 1-800-999-5887 extension 88335 to receive oral disclosures.