Rates and Disclosures - Northwest Community Credit Union

Home Equity VISA Gold Rates and Account Disclosure

To help you understand the terms and conditions of our home equity lines of credit, you should read this disclosure before you continue on to the next step in the application process. If you have questions, please ask us. You may continue to the next step when you reach the bottom of this page.

View print-friendly versions: HE Visa Gold Rates | HE Early Disclosure

Current rates for , (effective since 1/11/2009)

Annual Percentage Rate:	5.25%
Daily Periodic Rate:	0.014384%
Variable Rate Information:	APR may vary each quarter, and is determined by adding a margin of 2.00 percentage points to the Prime Rate published in the Wall Street Journal 15 days before the end of the prior quarter.
Annual Fee:	None
Grace Period For Purchases:	You have an average of 25 days to repay your balance for purchases before being charged a finance charge.
Minimum Finance Charge:	None
Method of Computing the Balance for Purchases:	Daily balance is computed by adding the current day's purchases to and subtracting the current day's credits from the previous daily balance.
Late Charge:	5% of the past due payment after 15 days of the due date
Over Limit Charge:	$25.00

The account terms and charges stated above are accurate as of the effective date. Please contact the Credit Union at PO Box 70225, Eugene, OR 97401-0145 for any change in the card terms or disclosure.

Home Equity Early Disclosure:

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