Official Credit Union of UMass Athletics

Official Credit Union of UMass Athletics

VISA Credit Card Large Print

The current prime rate is: 4.25%. Loan Rates Effective as of November 2, 2017.

• View the Credit Card Application and Solicitation Disclosure.

• Variable rates subject to change. Rates are based on an index of Prime Rate plus a margin of 6.50%, 7.50%, 8.50%, or 10.50% based on your credit score.

• Total amount of all unsecured loans and lines of credit may not exceed $50,000 per member.

• You have 25 days to repay your balance for purchases in full by the payment date on your periodic billing statement.

• Method of computing the balance for purchases: Average Daily Balance (excluding new purchases).

• Fees:
     o $25.00 Late Fee
     o $10.00 Card Replacement
     o $20.00 Placed on Revoked List
     o $5.00 Draft Copy
     o 3% Cash Advance Fee (min. $10.00)
     o $5.00 Chargeback
     o $25.00 Returned Payment Fee

• The minimum monthly payment is 2% of the unpaid balance with a minimum payment of $25. There are no default rates, limits as high as $25,000, and 24-hour customer service support.

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