Credit Card Disclosures Mastercard® Credit Card Disclosures
The following disclosure represents important details concerning your credit card. The information about costs of the card is accurate as of November 1, 2026. You can contact us toll free at 800-845-1614 to inquire if any changes have occurred since the effective date. New York residents may contact the New York State Department of Financial services by telephone or visit its website for free information on comparative credit card rates, fees and grace periods: https://www.dfs.ny.gov/consumers/credit_debt or 800-342-3736.
Interest Rates and Interest Charges
Essential | Life Rewards | Extra World | Essential Secured | |
| Annual Percentage Rate (APR) for Purchases & Cash Advances | 12.75%, 13.75%, 16.75% or 17.90%, depending on your credit history. This APR will vary with the market based on the Prime Rate. | 14.75%, 15.75%, or 17.90%, depending on your credit history. This APR will vary with the market based on the Prime Rate. | 16.75%, 17.75% or 17.90%, depending on your credit history. This APR will vary with the market based on the Prime Rate. | 17.90% |
| Annual Percentage Rate (APR) for Balance Transfers | 12.75%, 13.75%, 16.75% or 17.90%, depending on your credit history. This APR will vary with the market based on the Prime Rate. | 14.75%, 15.75%, or 17.90%, depending on your credit history. This APR will vary with the market based on the Prime Rate. | 16.75%, 17.75% or 17.90%, depending on your credit history. This APR will vary with the market based on the Prime Rate. | |
| Penalty APR and When it Applies | 17.90% This APR may be applied to your account if you make a payment that is late 60 days or more. | |||
| Paying Interest | Your due date is at least 25 days after we mail your billing statement. We will not charge you interest on purchases if you pay your entire new purchase balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the date the cash advance or balance transfer is posted to your account. | |||
| Minimum Interest Charge | None | |||
| For Credit Card Tips from the Consumer Financial Protection Bureau | 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 http://www.consumerfinance.gov/learnmore | |||
Fees
| Fees to Open or Maintain your account |
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| Transaction Fees |
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| Penalty Fees |
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How will we calculate Your Balance: We will use a method called “average daily balance (including new purchases)”. See your account agreement for more details.
Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement.
9013 LASER XFM FI1001783 Rev 02-2026 MC
COPYRIGHT 2005 Securian Financial Group, Inc. All rights reserved.
Important Notice
Disclosure
You are exiting Founders Federal Credit Union's website. When you click Continue, you will be transferred to a website not operated by your credit union. Founders Federal Credit Union is not responsible for the content or any links to or from this alternate website. Founders does not represent the third party or the member, should they enter into any agreements; and makes no representations or warranties regarding the products or services of the third party. Also, the privacy and security policies of the third party may be different from those of Founders Federal Credit Union.
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