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Credit Card Rates

Married persons may apply for credit as individuals. If this is an application for an individual account and you are relying on your own income or assets (in community property states, separate income or assets) and not the income or assets of another person (or community property) for repayment of the credit requested, questions relative to marital status and to income resources and assets of the spouse need not be answered. Only the applicant's resources will be evaluated in determining credit worthiness.

1The term “account opening” means the date that the account is entered on our processor’s system which is typically one to two days after we receive your signed application.

2The APR is determined by adding "The Margin" to the "Prime Rate." The Margin differs for Purchases and Cash Advances as follows:

3The "Prime Rate" is the prime rate published in the "Money Rates" column of The Wall Street Journal on the computation dates. The computation dates will be December 1, March 1, June 1, and September 1 (or if such dates do not fall upon a business day, the first publication day thereafter). The APRs are based on the 5.00% Prime Rate on 9/1/2018. The maximum APR and penalty APR for Purchases and Cash Advances is the greater of 29.99% or the maximum rate permitted by law.

4The penalty APR is determined by adding the "Margin" to the "Prime Rate." The "Margin" differs for Purchases and Cash Advances as follows:

The information about the costs of the cards described in this Application was posted on and is accurate as of 10/01/2018. This information may have changed after that date. To find out what may have changed, call us at 309.633.7000 or 1.800.633.7077 or write to us at CEFCU, P.O. Box 1715, Peoria, IL 61656-1715.