YOUR SOUTHERN MARYLAND COMMUNITY CREDIT UNION

RATES

 

Our Rates are determined by our Board of Directors, which is made up of volunteers who are elected at our Annual Meeting.

 

All members are welcome to attend our Annual Meeting, ask questions, and have a say in many day to day decisions involved in running a successful credit union.

Points of Interest

 

Our new car rate is currently 1.99% APR This rate is also available when you refinance your car within six months of original purchase!

All rates are subject to change and will vary with the market based on the prime rate.

Rate information is as accurate as possible, however, please contact the credit union to verify current rates or if you would like a disclosure mailed to you.

Rate information is accurate as of 06.01.17

Mastercard Rates

Description                          APR for purchase                      APR for cash advances

Platinum

7.00%

7.00%

Gold

8.00%

8.00%

Classic

9.90%

9.90%

Credit Builder

13.38% - 14.38%*

13.38 - 14.38%*

*When you open your account, based on your creditworthiness.

*When you open your account, based on your creditworthiness.

How to Avoid Paying Interest on Purchases

Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month.

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 www.consumerfinance.gov/learnmore

Fees

Annual Fee                    Transaction Fees                                           Penalty Fees

Balance Transfer

None

Cash Advance

Foreign

Transaction

None

None

1% of each

transaction

in US dollars

Late Payment

Over-the-credit limit

Returned payment

$15.00

None

$20.00

301-863-7071  ●  800-201-1647

 

Routing Number ● 255077736

 

 

APY = Annual Percentage Yield

APR = Annual Percentage Rate

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Federally Insured by NCUA