/Title (Story v. Sefcu et al - 1:18cv764) 17. /MediaBox [0 0 612 792] With nearly 500,000 members, 1,400 employees, and 61 branches, the combined entity will be one of the largest credit unions in the state and one of the top 30 in the nation. endobj /URI (https://www.classaction.org/news/sefcu-hit-with-class-action-over-assessing-allegedly-improper-overdraft-fees) >> /Tabs /S /Parent 11 0 R ]p IP8Lf39&42nzx!( 2fQ&lz^r{HIi_n]6e?^XI?C+A /MediaBox [0 0 612 792] After that your APR will be 10.24%. /Resources 180 0 R Before the first use of the card, this agreement will not be in effect, and you will not be responsible for use of the card if it is lost or stolen. /Parent 11 0 R On the other hand, spending with a debit card means you're spending your money - it comes directly from your checking account. endobj /Count 29 /Type /Page 51 0 obj Margin. /Contents [90 0 R 91 0 R 92 0 R] 700 Patroon Creek Blvd. /Annots [] /MediaBox [0 0 612 792] Even if you report fraudulent charges before the 60-day limit, you could be responsible for up to $500 if you know your card is being used and you do not promptly tell the bank. /Fields [] If you don't have a credit card, courtesy overdraft protection might be useful in an emergency, but it is an extremely expensive loan in the vast majority of cases.

/Tabs /S << Purchases will be charged at 6.99% above the Index. /Contents [145 0 R 146 0 R 147 0 R] financialwellbeing@sefcu.com, Managing Credit endobj endobj I hereby give SEFCU a security interest in all funds now and hereafter in my deposit accounts (excluding IRAs) at SEFCU and, if I default under the terms of this agreement, I authorize SEFCU to apply such funds to the payment of my credit card indebtedness. -Cash Advance Fee << /MediaBox [0 0 612 792] If you also have a regular checking account with us, that checking account is completely separate from the checks you write under this Account. Transaction Fees << /Oslash /Ugrave /Uacute /Ucircumflex /Udieresis /Yacute /Thorn /germandbls /agrave /aacute With regulatory approval in hand, the matter went to members for six weeks of voting. endobj /S /URI >> 1. (Photo provided by Tyler A. McNeil/WikiMedia Commons). 45 0 obj >> These "revolvers," as they are called in the credit card industry, are a gold mine for credit card companies, earning them billions of dollars per year in interest and fees. /Type /Page >> (D) is a franchised dealer of the holders products or services; or /Annots [] >> /Type /Page /Annots [] /StructParents 5 endobj You will be charged a fee if your payment is returned for non-sufficient funds. /Contents [115 0 R 116 0 R 117 0 R] << This APR will vary with the market based on the Prime Rate. /Length 3553 /Tabs /S /StructParents 24 In addition, at any time your Total New Balance exceeds your credit limit, you must immediately pay the excess upon demand. Periodic Rates. 15 0 obj /Contents [120 0 R 121 0 R 122 0 R] Otherwise a FINANCE CHARGE (interest) on purchases is calculated from the date the purchase is posted to your account. You authorize the Credit Union to disclose information regarding your account to credit bureaus and creditors who inquire about your credit standing. stream /Group 118 0 R Members of one credit union cannot yet do business in the branches of the other or use its ATM network without incurring fees. You can change your mind about whether you want the service at any time. Your due date is at least 25 days after the close of each billing cycle. /Annots [] /Tabs /S /Type /Page /Subtype /XML >> (Not all ATMs provide such access.) >> (E) has obtained the order for such sale through a mail solicitation made by or participated in by the holder in which the member is solicited to enter into such transactions by using the credit agreement with the holder. If you default, the Credit Union has the right to offset against those shares. >> /Type /Page >> Collection Costs. Penalty Fees /Group 158 0 R /Parent 11 0 R /MediaBox [0 0 612 792] NO WAIVER - If any section of the Agreement is deemed void, the unaffected section(s) and the Agreement as a whole are still binding. /dotlessi /lslash /oe /scaron /zcaron 160 /Euro 164 /currency 166 /MediaBox [0 0 612 792] LOST CARD NOTIFICATION - If you believe your credit card has been lost or stolen, immediately inform the Credit Union by calling: 518-452-8183 or 800-449-7728 outside the 518 area code within the continental U.S. >> /MediaBox [0 0 612 792] However, if you have given your dwelling as security for a loan with us, that dwelling will not secure an advance made under the account. /MediaBox [0 0 612 792] ALBANY The votes are tallied and its official: Members of CAP COM Federal Credit Union have approved its merger with SEFCU. /StructParents 14 /odieresis /divide /oslash /ugrave /uacute /ucircumflex /udieresis /yacute /thorn /ydieresis] You agree not to let your balance exceed your approved credit limit. /Type /Font /Parent 11 0 R endobj 10 0 obj Interest Rates and Interest Charges +7RxKc6BpF=P!4W Arb\HvNbw? FOREIGN TRANSACTIONS - Purchases and cash advances made in foreign currencies will be debited from your account in U.S. dollars. Copyright 2004-2022 Decision Partners LLC. << << Please log in to Online Banking so we can prefill your application. >> /Group 108 0 R /Contents [50 0 R 181 0 R 182 0 R] 47 0 obj << Yes, Im a member No, Im not a member.

/Type /Pages You may request, either in writing or by phone, an increase in your credit limit which must be approved by the Credit Union. /Parent 4 0 R iXhr_yi[M3s*6c@SJ+?L4ER\pKgrDL-.M]H*YJ:d07"1t9c&8FBn{%G$YMnw\m@+s X%ZJ%N0ojtnY&PY C+*5DEdgmGj?| h /Type /Page endobj /Resources 99 0 R /Contents [105 0 R 106 0 R 107 0 R] I understand that a security interest is a condition for the credit card account I have requested. /Annots [] /BaseFont /ZapfDingbats /Tabs /S MERCHANT DISPUTES - The Credit Union is not responsible for the refusal of any merchant or financial institutions to honor the card.

SEFCU VISA CREDIT CARD AGREEMENT With its larger size, it hopes to provide more by way of services and technologies. . /Parent 11 0 R /Group 63 0 R yl49`og=Tqd}WFp"CC@(]mA@nyS $|}xQ,cjb4 #mFo?7WBP sqDYw kG)oBOf$cRa,AF%D-"7 5|}.ic/'9]O VkOyNyC3V(S@al2+t JVUbL[**gQ5R}r|Rh% } fe] OTHER CHARGES - The following other charges, which are disclosed on the Account Opening Disclosure, will be added to your account, as applicable. You will be in default if you break any promise you make under this Agreement. /Adieresis /Aring /AE /Ccedilla /Egrave /Eacute /Ecircumflex /Edieresis /Igrave /Iacute endobj SEFCU was the larger of the two, with more than twice as many members and more than twice as much in assets. /Border [0 0 0] -Foreign Transaction Fee /BaseFont /Helvetica /Tabs /S /MediaBox [0 0 612 792] /-HDR. If you do not accept the change, you will not be permitted to continue to use the card. /brokenbar 168 /dieresis /copyright /ordfeminine 172 /logicalnot /.notdef /registered /macron y23h$U#{/wcNXZ_@U@~iUm& NIw5 /StructParents 12 /Annots [] /Resources 174 0 R In any case, your liability will not exceed $50 for unauthorized cash advances at ATMs. /Type /Metadata /Annots [] /Resources 134 0 R endobj /quotesingle 96 /grave 128 /bullet /dagger /daggerdbl /ellipsis /emdash /endash /MediaBox [0 0 612 792] endobj 39 0 obj details. . Fees may apply when using your card outside the United States. The Introductory Purchase APR is 6.90% which is a monthly periodic rate of 0.5750% endobj >> /Rotate 270 Up to $25.00 20. 11. You will not be liable for unauthorized use that occurs after you notify SEFCU, orally or in writing, of the loss, theft, or possible unauthorized use. If you make extra payments or larger payments, you are still required to make at least the minimum payment each month your account has a balance. 8. /Tabs /S Credit Reports and Scores. For all other general inquiries, please call 888-643-9777. 26 0 obj

Find our ongoing schedule in the Event Calendar, and learn more about us in the link below. (2) the amount of the initial transaction exceeds $50.00; and You may, of course, pay more frequently, pay more than the minimum payment, or pay the Total New Balance in full. << /MediaBox [0 0 612 792] << The Cash Advance APR is 10.24% which is a monthly periodic rate of 0.8533% MoneyEdu is a service of SEFCU's Institute for Financial Well-Being and Decision Partners. Paying Interest >> LIABILITY FOR UNAUTHORIZED USE - You may be liable for the unauthorized use of your credit card. /Contents [140 0 R 141 0 R 142 0 R] 10. /Parent 11 0 R >> SECU is Marylands largest credit union with 25 branches throughout Maryland and 50,000+ free ATMs. 43 0 obj This means the Credit Union can enforce this Agreement against any of you individually or all of you together. /Tabs /S << /MediaBox [0 0 612 792] The Member is responsible to pay for all purchases, advances, and other charges to the account made by each Cardholder, even if the charges were not specifically authorized by the Member. 36 0 obj /Parent 11 0 R /A << A Cardholder will need to use a Personal Identification Number (PIN) to obtain a cash advance from an ATM. >> >> >> >> Castellana will be CEO of unified credit union and Christopher McKenna, who was president and CEO of CAP COM, will be president of the merged entity. All the daily balances for the statement cycle are added and the total is divided by the number of days in the statement cycle to arrive at the average daily balance for the cycle. /MediaBox [0 0 612 792] /Annots [] << About MoneyEdu /Parent 4 0 R 1 0 obj /Rect [68.36 679.39 463.69 692.81] No matter how small the overdraft, the same fee applies. When you are in default, the Credit Union has the right to demand immediate payment of your full account balance without notice. >> In the worst case scenario, meaning you don't discover fraudulent charges for more than 60 days after the bank sent you a statement showing the unauthorized activity, you could be responsible for all charges made after the 60 days. 38 0 R 39 0 R 40 0 R 41 0 R 42 0 R] You may pay your total indebtedness at any time. xSMo0p1c; /Resources << You should retain both disclosures as together they represent the legal obligations of this Visa account. /StructParents 8 MONTHLY PAYMENT - Each month, you must pay at least the minimum payment shown on your statement within 25 days of the statement closing date. HWmoF_o, /Group 73 0 R As part of the process of a merger of equals, the two credit unions will choose a new name. The FINANCE CHARGE (interest) on purchases and cash advances is calculated at a periodic rate per month with an ANNUAL PERCENTAGE RATE as disclosed in the Account Opening Disclosure. << The latest news delivered directly to your inbox every day at 3 p.m. Schenectady schools identify $260 million in repairs, upgrades, Mayfield 13-year-old organizes pro-abortion rights rally in Gloversville, Sports briefs: Evan Boyle wins stage, places 8th in The Nations Cup Tour de l'Abitibi, In the Pocket: Martinez's return to area produces win, good memories, Practice Squad gets head bob over Dakota Gold in Rick Violette. To learn more about factors to consider when applying for or using a credit card, visit the website of the dgpiYY'{FqJ8](!aV-`o>oO{:MKgHc2A '0X3p )FD(3B4Bu=0 ]4 Don't have a code? /MediaBox [0 0 612 792] APR for Balance Transfers This APR will vary with the market based on the Prime Rate. << /Type /Page /Length 400 /Tabs /S /Kids [11 0 R 12 0 R 13 0 R 14 0 R] /Contents [65 0 R 66 0 R 67 0 R] /Type /Page

<< /Group 98 0 R /Group 83 0 R >>

/Contents [110 0 R 111 0 R 112 0 R] /Group 143 0 R /PageMode /UseNone /Group 103 0 R The Balance Transfer APR is 10.24% which is a monthly periodic rate of 0.8533% /Parent 4 0 R >> /Rotate 0 /Parent 11 0 R The Credit Union has the right to reduce or terminate your credit limit at any time. << /Parent 11 0 R If you are using a screen reader for the visually impaired and are having problems using any part of this website, please call 888-974-8343 for assistance. /StructParents 13 44 0 obj >> /StructParents 16 (C) is under direct or indirect common control with the holder; 25 0 obj /Parent 11 0 R The cards you received remain the property of the Credit Union and you must recover and surrender to the Credit Union all cards upon request or upon termination of this Agreement, whether by you or the Credit Union. /Parent 12 0 R FINANCE CHARGES - In order to avoid a FINANCE CHARGE (interest) on purchases made since your last statement date, you must pay the Total New Balance shown on your statement within 25 days of the statement closing date. 38 0 obj /Resources 124 0 R << This APR will vary with the market based on the Prime Rate. /Parent 11 0 R Fees To open an account, youll first need to become a SECU member.