First Central Credit Union

HOURS | SEGS | LOCATIONS | 800.780.7101

A First Central MasterCard gives you convenience, security and flexibility. Whether you’re just starting out and need a low-cost credit card or you’re looking for a credit card that supports your entire family, count on us to give you one that is perfect for
your needs.

You'll enjoy the following benefits:

A terrific annual percentage rate
25-days Grace Period on Purchases
No annual fee
No hidden charges
Generous credit limit
Low minimum payment
Convenience of cash advances through ATMs worldwide
Emergency card replacement
Balance transfer opportunities

Click here to download a credit card application.

Please click here to report a lost or stolen First Central MasterCard®, MasterCard ® Platinum credit card or click here for the credit card payoff calculator.

Disclosure Supplement - Important Account Terms
Interest Rates and Interest Charges

	Platinum	Classic		Secured Classic
Annual Percentage Rate (APR) for Purchases (The APRs will vary with the market based on the Prime Rate)	5.90% introductory APR for six months. After that, your APR is based on your creditworthiness and will be one of the following:
	9.49%	11.99%	16.99%	11.99%
APR for Balance Transfers	5.90% introductory APR for six months. After that, your APR is based on your creditworthiness and will be one of the following:
	11.49%	13.99%	18.00%	13.99%
APR for Cash Advances	5.90% introductory APR for six months. After that, your APR is based on your creditworthiness and will be one of the following:
	11.49%	13.99%	18.00%	13.99%
How to Avoid Paying Interest on Purchases	Your due date is at least 25 days after the close of each biling cycle. We will not charge you interest on purchases if you pay your entire balance by the due date each month.
Minimum Interest Charge	No minimum Interest Charge.
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
Foreign Transaction Fee	Up to 1% of each transaction in U.S. dollars
Penalty Fees
Late Payment Fee	$25
Returned Payment Fee	$20

How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)."

The information about the costs of the card described in this application is accurate as of 05/2010. This information may have changed after that date. To find out what may have changed, call us at 800-780-7101 or write to us at First Central Credit Union, 6201 Sanger Ave, Waco, Texas 76710.