Save money with no annual fee and a promotional balance transfer rate of 8.99%* APR that lasts until your transferred balances are completely paid off.
As a union member, you are eligible for the exclusive Union Plus® MasterCard - the only credit card endorsed by the AFL-CIO. Apply today and join the over 3 million union members who carry the Union Plus Credit Card.
For an immediate response, apply online at www.unionpluscard.com.
To apply by phone, please call 1-800-522-4000. Important Information on Rates, Fees and Costs
Member**: Your Member APR for purchases and for Cash Advances made by credit card check will be a variable rate between 9.99% and 18.99%. Based upon a credit review, we will establish the rate and notify you at the time you receive your card. The Member APR will never be less than between 9.99% and 18.99%.
Cash Advance (excluding advances by credit card check) APR: 19.99%.
Promotional Balance Transfer APR: 8.99%.
Balance Transfer APR: Member APR.
*See explanation below.
Member**: The Member Annual Percentage Rate for purchases and Cash Advances made by credit card check may vary. The variable rate is determined by adding the Index plus between 1.99% and 10.99% ("Spread"). For each billing cycle, the Index is determined in the month prior to the month in which the billing cycle ends. In that prior month, the Highest Prime Rate published in The Wall Street Journal is selected (the "Index"). If the Index has changed, the new variable rate will take effect with the billing cycle that ends on or after the first day of the month following the Index change.
No periodic Finance Charges are assessed on new credit card purchases if the New Balance is paid in full within 25 days after the close of the previous billing cycle.
Average Daily Balance (including new purchases) Method.
$0
$.50 in any billing cycle in which a Finance Charge is payable.
The Promotional Balance Transfer APR applies to amounts transferred using the Union Plus Bonus Checks posted to your account within 90 days of your account opening date. If you fail to make your Minimum Payment by the Payment Due Date, the APR for all balances at any promotional pricing will increase to the Member APR.
2% on any advance made by credit card check ($3 minimum); 3% on any advance made by Bonus Check credit card check ($5 minimum; 3% on any other advance ($5 minimum). Balance Transfer Fee: 3% on any Balance Transfer after 90 days from your account open date ($5 minimum). Late Fee: $29. Accessing the full amount or most of your credit line may result in an over limit fee.
If you are no longer a union member in good standing, you are not eligible for this pricing and your account may be repriced.
The information about the costs and benefits of the card described in this application was printed and is accurate as of November, 2002. The information may have changed after that date. To find out what may have changed, write to Union Plus Credit Card, P.O. Box 80027, Salinas, CA 93912-0027, or call 1-800-522-4000.
To find out more about your member benefits today, click here.