Late Payment Fee

3% of your Total New Balance, but not less than $25 plus the amount of any prior minimum payments that you have not made and any amount you are over your credit limit. Late payment is effective 25 days after statement due date.

Credit Card Tips

For Credit Card Tips from the Consumer Financial Protection Bureau and To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at www.consumerfinance.gov/learnmore

Card Type

VISA -Classic

Annual Percentage Rate for Purchases
Annual Fee
Transaction Fee for Cash Advance
Minimum Finance Charge
How to Avoid Paying Interest on Purchases
Method for Computing Balances for Purchases
Credit Limit
Over Credit Limit Fee

9.90%

oceansprayefcu

Your savings federally insured to
at least $250,000 and backed by
the full faith and credit of the
United States Government Agency

National Credit Union Administration,
a U.S. Government Agency

We do business in accordance with the
Federal Fair Housing Law and the
Equal Credit Opportunity Act.

oceansprayefcu