Interest rates vary based on member qualifications and Visa Program.
|Non-Promotional Annual Percentage Rate||11.99% - 18.00% APR for purchases, cash advances, and balance transfers|
|Default APR||18.00% APR on all balances, if minimum payment due is not made for two consecutive billing cycles|
|Grace Period||Purchases – 25 day grace period; cash advances, balance transfers, and LetterChecks will incur finance charges from the date the transaction is posted to the account|
|Method of Computing the Balance||Average Daily Balance|
|Annual Fee||No annual fee|
|Minimum Finance Charge||Based on activity|
|Cash Advance Fee||3% of cash advance amount (minimum $10)|
|Balance Transfer Fee||3% of balance transfer amount (minimum $10)|
|Late Payment Fee||$39|
|Over Limit Fee||$39|
Business Basics - Legal Text
$20 fee for returned payments. $10 fee for a phone payment. $15 fee for a stop payment.
Rewards points are accumulated only on purchases and at a rate of one point for each dollar spent.
Maximum allowable combined unsecured debt at SCE FCU per entity household is $100,000; your limit may be reduced to remain within this limit. SCE FCU reserves the right to close your account at any time. Balance transfers may not be used to pay off or pay down any account issued by SCE FCU.