Banking is different at Directions
As a not-for-profit financial cooperative, Directions is different by design! Lower fees and better rates is just the beginning of a better way to bank.
| APR | |
|---|---|
| Rewards VISA | 9.99 - 17.24% |
| CREDIT DISCLOSURES | |
|---|---|
Interest Rates & Interest Charges |
|
| Annual Percentage Rate (APR) for Purchases | 9.99% to 17.24% based on your creditworthiness at the time of account opening. |
| APR for Balance Transfers | 9.99% to 17.24% based on your creditworthiness at the time of account opening. |
| APR for Cash Advances | 9.99% to 17.24% based on your creditworthiness at the time of account opening. |
| Paying Interest | We will not charge you any interest on purchases if you pay your entire balance by the due date each month. The Interest Charge on cash advances begins from the date you obtained the cash advance. The Interest Charge on balance transfers begins from the date the transaction is posted to your account. |
| 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 www.consumerfinance.gov/learnmore |
Fees |
|
| Annual Fee | No annual fee |
Penalty Fees |
|
| Late Payment | Up to $25.00 |
| Over-the-Credit-Line | No over-the-credit-line fee |
| Returned Payment | Up to $25.00 |
| Military Lending Act Disclosure | 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 at 1-888-508-2228 to receive oral disclosures of the Military Lending Act disclosure above and a description of the payment obligation. |
How We Will Calculate Your Balance:
We use a method called “Average Daily Balance.” (Including New Purchases)
Credit disclosure is accurate as of 04/16/17 and is subject to change. To find out what
may have changed, call us at 1-888-508-2228.