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- IMPORTANT DISCLOSURES - Aacreditunion
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4% Penalty APR: A fixed rate currently equal to 18.00%. See explanation below ** Variable Rate Information Your APR may vary. The rate for purchases, cash advances and balance transfers is determined quarterly by adding between 5.49% 11.49% to the Prime Rate and is capped at 18.00%. See explanation below *** Grace Period for Purchases 21 days Method of Computing the Balance for Purchases Average Daily Balance (including new purchases) Annual Fee Balance Transfer Fee Cash Advance $0 $.
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