DISCOVERY FEDERAL CREDIT UNION - PROMOTIONAL RATES DISCLOSURE HOME EQUITY LOANS APR (Annual Percentage Rate) is as of the date specified on the "Today's Rates" page of this site and subject to change without notice.  Actual Interest Rate will be determined based on member's overall credit history and score.  Not all members will qualify for lowest rate disclosed.  Rate disclosed based on maximum Discovery Rewards discount (.25% for direct deposit; .25% for automatic payment from DFCU account).  Rate based on 36-month term.  Property must be in Pennsylvania. VEHICLE LOANS APR (Annual Percentage Rate) is as of the date specified on the "Today's Rates" page of this site and subject to change without notice.  Actual Interest Rate will be determined based on member's overall credit history and score.  Not all members will qualify for lowest rate disclosed.  Rate disclosed based on maximum Discovery Rewards discount (.25% for direct deposit; .25% for automatic payment from DFCU account).  Rate based on 36-month term. VISA PLATINUM CREDIT CARD DISCLOSURE Annual Percentage Rate for Purchases 7.89% APR Other Annual Percentage Rates   Cash Advance Rate 7.89 APR Balance Transfer Rate 7.89% APR Penalty Rate 18% APR All Discovery Visa credit card holders, upon a second late payment in a one calendar year period (late = 5 business days past due date), are subject to a penalty rate of 18%. This rate applies to purchases, cash advances, and balance transfer balances. Grace period for repayment of balance for purchases 25 days Method of computing the balance for purchase Average daily balance (including new purchases) Annual fee None Minimum finance charge None Cash Advance fee None Other charges   Minimum monthly payment The greater of $15 or 2% of outstanding balance Non-payment fee $20 after 5 business days past due date Over-limit fee $20 Returned check fee $20 Pledge of Shares: If issued a Discovery VISA credit card(s), you grant and consent to a lien on your shares on deposit (except IRA accounts) and any dividends due or to become due to me to the extent I owe on any unpaid VISA balance.  In the event you default, you grant Discovery permission to apply these shares and deposits as payment of all outstanding balances, including costs of collection and reasonable attorney's fees. Not all members will qualify for a Platinum Card. Balance transfer cash back offer excludes transfers from a Discovery VISA Classic Credit Card.