MasterCard
Enjoy
the Privileges and Convenience
JetStream Federal Credit Union's MasterCard programs
are tailored to fit your lifestyle, providing you with
the flexibility to handle credit the way you want and
a wide range of benefits geared to saving you money.
Choose the
Credit Card That's Right for You
No matter which MasterCard you choose, you'll receive all
the buying power you need for less.
Platinum MasterCard Extras:
- No annual fee
- Points for purchases redeemable for
travel and merchandise
- Cash advances with no transaction fees
- Credit line up to $20,000
- Free convenience checks
- Free balance transfers
- Free travel accident insurance when
you charge your travel ticket
- Free online access to your account
information
Secured MasterCard Extras:
- NO annual fee.
- Credit line equal to your secured savings
- Savings secured as collateral earns
dividends
Your choice
Platinum MasterCard OR secured MasterCard entitles you to ALL these exciting
features:
Low Rates
Our below market rates for each type of MasterCard means
you save money on finance charges. It makes using credit
more affordable.
25 Day Interest-Free
Grace Period
There is no finance charge on purchases if you pay your
balance in full by the due date of the billing statement.
Worldwide
Instant Cash Access
You can use your MasterCard to get cash advances at thousands
of Automated Teller Machines (ATMs) across the U.S. and
around the world.
Convenience
Checks
You'll receive special personalized checks -at no charge
- that you can use to draw against your line of credit
anytime, anywhere.
Free Balance
Transfers
Save money by transferring high interest balances from
other lenders to your lower interest credit union MasterCard.
Automatic
Payments
Set up your account for automatic repayments from your
share (savings) or checking account.
Travel Accident
Insurance
You're covered automatically, at no additional cost, when
you use your credit union MasterCard to charge your travel
tickets on any common carrier.
Apply Today
Choose the card that's right for you. To request any of
our credit cards,
simply > complete
an online application.
 Online
MasterCard Statement "Click Here"
Platinum
MasterCard
|
Interest Rates and Interest Charges |
Annual Percentage
Rate (APR)
for Purchases |
8.65% to 18.00%
when you open your account,
based on your creditworthiness.
After that your rate will vary
with the market based on the Prime Rate. Prime Rate will be
updated on the 1st business day of each quarter. |
APR for Balance Transfers |
8.65 to 18.00%
Equal to the then current
Annual Percentage
Rate
for Purchases. This APR will vary with the market based on
Prime Rate. |
APR
for Cash Advances |
8.65 to 18.00%
Equal to the then current
Annual Percentage
Rate
for Purchases. This APR will vary with the market based on
Prime Rate. |
Penalty APR and When it
Applies |
18.00%
This APR may be applied to your account after your card
becomes 60 days delinquent.
How Long Will the Penalty APR
Apply?
If
your APR is increased for the above reason, the Penalty APR
will apply until you make six (6) consecutive minimum payments
when due and do not exceed your credit limit during that time
period. |
|
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
interest on purchases if you pay your entire balance by the
due date each month. |
|
For Credit Card Tips from the
Federal Reserve Board |
To learn more about factors to
consider when applying for or using a credit card, visit the
Web site of the Federal Reserve Board at
http://www.federalreserve.gov/creditcard |
|
Fees |
|
Annual Fee |
None |
Transaction Fees
• Balance Transfer Fee
• Cash Advance
• Foreign Transaction Fee |
None
$10.00 per ATM Withdrawal
2% of each transaction in U.S. dollars |
Penalty Fees
• Late Payment
• Over-the-Limit
• Returned Payment |
Up to $35.00
None
Up to
$35.00 |
Other Fees
• Convenience Check
Copy Request
Stop pay Request |
$5.00 Per Check Copy
$25.00 Per Stop Pay Item |
How We Will Calculate Your Balance. We use a method called
“average daily balance (including new purchases).” |
Secured MasterCard
|
Interest Rates and Interest Charges |
Annual Percentage
Rate (APR)
for Purchases |
12.65% to 13.00%
when you open your account,
based on your creditworthiness.
After that your rate will vary
with the market based on the Prime Rate. Prime Rate will be
updated on the 1st business day of each quarter. |
APR for Balance Transfers |
12.65 to 13.00%
Equal to the then current
Annual Percentage
Rate
for Purchases. This APR will vary with the market based on
Prime Rate. |
APR
for Cash Advances |
12.65 to 13.00%
Equal to the then current
Annual Percentage
Rate
for Purchases. This APR will vary with the market based on
Prime Rate. |
Penalty APR and When it
Applies |
18.00%
This APR may be applied to your account after your card
becomes 60 days delinquent.
How Long Will the Penalty APR
Apply?
If
your APR is increased for the above reason, the Penalty APR
will apply until you make six (6) consecutive minimum payments
when due and do not exceed your credit limit during that time
period. |
|
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
interest on purchases if you pay your entire balance by the
due date each month. |
|
For Credit Card Tips from the
Federal Reserve Board |
To learn more about factors to
consider when applying for or using a credit card, visit the
Web site of the Federal Reserve Board at
http://www.federalreserve.gov/creditcard |
|
Fees |
|
Annual Fee |
None |
Transaction Fees
• Balance Transfer Fee
• Cash Advance
• Foreign Transaction Fee |
None
$10.00 per ATM Withdrawal
2% of each transaction in U.S. dollars |
Penalty Fees
• Late Payment
• Over-the-Limit
• Returned Payment |
Up to $35.00
None
Up to
$35.00 |
Other Fees
• Convenience Check
Copy Request
Stop pay Request |
$5.00 Per Check Copy
$25.00 Per Stop Pay Item |
How We Will Calculate Your Balance. We use a method called
“average daily balance (including new purchases).” |
|
