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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.
(Non-Rewards)
CEFCU World Credit Mastercard
(Non-Rewards)
CEFCU World Credit Mastercard
Annual Percentage Rate (APR) for Purchases
1.99%
introductory APR for 12 months from account opening Footnote 1 based on your creditworthiness. Footnote 2
After that, 13.75% to 23.25%
based on your creditworthiness. Footnote 2 These APRs will vary with the market based on the Prime Rate. Footnote 3
1.99%
introductory APR for 12 months from account opening Footnote 1 based on your creditworthiness. Footnote 2
After that, 15.75% to 25.25%
based on your creditworthiness. Footnote 2 These APRs will vary with the market based on the Prime Rate. Footnote 3
1.99%
introductory APR for 12 months from account opening Footnote 1 based on your creditworthiness. Footnote 2
After that, 14.75% to 24.25%
based on your creditworthiness. Footnote 2 These APRs will vary with the market based on the Prime Rate. Footnote 3
(Non-Rewards)
CEFCU World Credit Mastercard
APR for Balance Transfers
1.99%
introductory APR for 12 months from the date of each balance transfer during the first 90 days after account opening Footnote 1
After that, 13.75% to 23.25% based on your creditworthiness. Footnote 2 These APRs will vary with the market based on the Prime Rate. Footnote 3
1.99%
introductory APR for 12 months from the date of each balance transfer during the first 90 days after account opening Footnote 1
After that, 15.75% to 25.25% based on your creditworthiness. Footnote 2 These APRs will vary with the market based on the Prime Rate. Footnote 3
1.99%
introductory APR for 12 months from the date of each balance transfer during the first 90 days after account opening Footnote 1
After that, 14.75% to 24.25% based on your creditworthiness. Footnote 2 These APRs will vary with the market based on the Prime Rate. Footnote 3
(Non-Rewards)
CEFCU World Credit Mastercard
APR for Cash Advances
16.75% to 26.25%
when you open your account, based on your creditworthiness. Footnote 2 After that, your APR will vary with the market based on the Prime Rate. Footnote 3
18.75% to 28.25%
when you open your account, based on your creditworthiness. Footnote 2 After that, your APR will vary with the market based on the Prime Rate. Footnote 3
17.75% to 27.25%
when you open your account, based on your creditworthiness. Footnote 2 After that, your APR will vary with the market based on the Prime Rate. Footnote 3
(Non-Rewards)
CEFCU World Credit Mastercard
Penalty APR and When it Applies
26.25% for Purchases Footnote 4
29.25% for Cash Advances Footnote 4
These APRs will vary with the market based on the Prime Rate. Footnote 3
These APRs may be applied to your account if you make a late payment.
How Long Will the Penalty APR Apply?
If your APRs are increased for this reason, the Penalty APRs will apply until you make six consecutive minimum payments when due.
28.25% for Purchases Footnote 4
29.99% for Cash Advances Footnote 4
These APRs will vary with the market based on the Prime Rate. Footnote 3
These APRs may be applied to your account if you make a late payment.
How Long Will the Penalty APR Apply?
If your APRs are increased for this reason, the Penalty APRs will apply until you make six consecutive minimum payments when due.
27.25% for Purchases Footnote 4
29.99% for Cash Advances Footnote 4
These APRs will vary with the market based on the Prime Rate. Footnote 3
These APRs may be applied to your account if you make a late payment.
How Long Will the Penalty APR Apply?
If your APRs are increased for this reason, the Penalty APRs will apply until you make six consecutive minimum payments when due.
(Non-Rewards)
CEFCU World Credit Mastercard
How to Avoid Paying Interest on Purchases
Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month.
Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month.
Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month.
(Non-Rewards)
CEFCU World Credit Mastercard
Minimum Interest Charge
If you are charged interest, the charge will be no less than $.50.
If you are charged interest, the charge will be no less than $.50.
If you are charged interest, the charge will be no less than $.50.
(Non-Rewards)
CEFCU World Credit Mastercard
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 .
To learn more about factors to consider when applying for or using a credit card, visit the website of 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 .
(Non-Rewards)
Credit Mastercard
(Non-Rewards)
Credit Mastercard
Purchases and Balance Transfers
5.25% to 14.75% when you open your account, based on your creditworthiness
7.25% to 16.75% when you open your account, based on your creditworthiness
6.25% to 15.75% when you open your account, based on your creditworthiness
(Non-Rewards)
Credit Mastercard
Cash Advances
8.25% to 17.75% when you open your account, based on your creditworthiness
10.25% to 19.75% when you open your account, based on your creditworthiness
9.25% to 18.75% when you open your account, based on your creditworthiness
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 8.50% Prime Rate on 12/1/2023. 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:
(Non-Rewards)
Credit Mastercard
(Non-Rewards)
Credit Mastercard
Purchases
17.75%
19.75%
18.75%
(Non-Rewards)
Credit Mastercard
Cash Advances
20.75%
22.75%
21.75%
The information about the costs of the cards described in this Application was posted on and is accurate as of 1/1/2024. 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.