To open an account, youll first need to become a SECU member. 17 0 obj

/Annots [] /Contents [145 0 R 146 0 R 147 0 R] Do you have a group or organization that could benefit from financial education? /Parent 11 0 R You will be charged a fee if your payment is returned for non-sufficient funds.

/Rotate 0 MONTHLY PAYMENT - Each month, you must pay at least the minimum payment shown on your statement within 25 days of the statement closing date. endobj



/StructParents 20 Credit and debit cards look alike, and they are used in virtually identical ways. details. About MoneyEdu /Resources 154 0 R /Contents [85 0 R 86 0 R 87 0 R] 7 0 obj /Group 88 0 R /Resources 149 0 R /Type /Page /Type /Page /Parent 11 0 R

/BS <<

/Resources 119 0 R endobj >> /MediaBox [0 0 612 792] SEFCU was the larger of the two, with more than twice as many members and more than twice as much in assets. /Type /Outlines

/Count 2 With nearly 500,000 members, 1,400 employees, and 61 branches, the combined entity will be one of the largest credit unions in the state and one of the top 30 in the nation. >> << By definition, spending with a credit card means you are spending borrowed money. << /Count 25 /Parent 11 0 R The Introductory Cash Advance APR is 6.90% which is a monthly periodic rate of 0.5750% 41 0 obj /W 0 The two large Capital Region-based credit unions announced their intention to merge last July after months of discussion. /Encoding /WinAnsiEncoding /Contents [140 0 R 141 0 R 142 0 R] AGREEMENT - This is an agreement between SEFCU (referred to as the Credit Union, us or we) and each member (referred to as you or the Member) who applies for and becomes obligated on a SEFCU Visa credit card account.

>> Patroon Creek Corporate Center /StructParents 11 The mission of the Institute for Financial Well-Being is to guide and encourage individuals to focus on achieving economic stability - using innovative tools, making informed decisions, and encouraging positive habits. Thanks to the Fair Credit Billing Act, you have little or no liability for unauthorized charges, damaged goods, or for merchandise that was never delivered. >> Becoming a member is easier than you think. /MediaBox [0 0 612 792] /Subtype /XML -zcm>o\? /Length 458 << /Type /Page /Group 118 0 R endobj

/Type /Page /MediaBox [0 0 612 792] >> >> APR for Balance Transfers CHANGING OR TERMINATING YOUR ACCOUNT - The Credit Union may change the terms of the Agreement from time to time, after giving you any advance notice required by law. /Rotate 270 <<

/Group 68 0 R /Parent 13 0 R endobj /Group 93 0 R

/Type /Page 29 0 obj For Credit Card Tips from the Please log in to Online Banking so we can prefill your application.

>> >> /Contents [55 0 R 56 0 R 57 0 R] USING THE ACCOUNT - If you are approved for a Visa account, the Credit Union will establish a line of credit for you and notify you of its amount when the card is sent to you. /Group 153 0 R Site will open in a new window. /S /S endobj A foreign transaction is any transaction that you complete or a merchant completes on your card outside of the United States, with the exception of U.S. military bases, U.S. territories, U.S. embassies or U.S. consulates.

We do not charge you interest onpurchases if you pay your entire balance by the due date each month. 10 0 obj The Cardholders use of the card after receiving notice of a change or no response to the notice within 30 days of the effective date of the change will indicate agreement to the change.

/Title (Story v. Sefcu et al - 1:18cv764) If you don't have a credit card, courtesy overdraft protection might be useful in an emergency, but it is an extremely expensive loan in the vast majority of cases. 21 0 obj /Type /Pages /Parent 11 0 R /PageMode /UseNone /Filter /FlateDecode

/Contents [50 0 R 181 0 R 182 0 R] /Annots [] /Tabs /S endobj << /Parent 11 0 R endobj If you do not agree, the bank will decline those transactions and not charge you fees. /Annots [] 13. /Group 103 0 R Periodic Rates. /Type /Page endobj >> 20 0 obj /Contents [155 0 R 156 0 R 157 0 R] When used properly, spending with debit cards can be part of a solid strategy for spending within a budget and staying out of unplanned debt. /quotesingle 96 /grave 128 /bullet /dagger /daggerdbl /ellipsis /emdash /endash /Contents [150 0 R 151 0 R 152 0 R] /Type /Font /Differences [24 /breve /caron /circumflex /dotaccent /hungarumlaut /ogonek /ring /tilde 39 /StructParents 18 /Tabs /S

/StructParents 21 /Annots [] You will be in default if you break any promise you make under this Agreement. :kKknOch`4,jU+9OyF6*>':0[ua[;&2)VwRT;%/ ]RUKAYA*uS62mLrS:b9^|2-.4bf4vTF. /Parent 11 0 R /ordmasculine 188 /onequarter /onehalf /threequarters 192 /Agrave /Aacute /Acircumflex /Atilde But the move was billed as a merger of equals seeking to form a stronger business together, rather than an acquisition. You may also be charged multiple fees before you realize your account is overdrawn. Either the Credit Union or you may terminate this Agreement at any time, but termination by you or the Credit Union will not affect your obligation to pay the account balance plus any FINANCE AND OTHER CHARGES you owe under this Agreement. /Type /Encoding The Credit Union has the right to reduce or terminate your credit limit at any time.

30 0 obj /Group 123 0 R This APR will vary with the market based on the Prime Rate.

/Group 133 0 R /Tabs /S 36 0 obj /Resources 69 0 R

/Resources 183 0 R

>>

>>

The Purchase APR is 10.24% which is a monthly periodic rate of 0.8533%

18.

<< | Privacy Policy | Terms of Service | DP Log In. Separate FINANCE CHARGES for purchases and cash advances are determined by multiplying the periodic rate by the separate average daily balances for purchases and cash advances. /MediaBox [0 0 612 792] Members of one credit union cannot yet do business in the branches of the other or use its ATM network without incurring fees. /Contents [75 0 R 76 0 R 77 0 R] Initial and continued use of the card constitute my affirmative consent to this offset provision. 45 0 obj /Tabs /S 11 0 obj /Parent 11 0 R

Notice sent to any one of you will be considered notice to all. ]p IP8Lf39&42nzx!( 2fQ&lz^r{HIi_n]6e?^XI?C+A /Annots [] Courtesy overdraft protection is a fee-based service most financial institutions offer to help consumers avoid declined transactions. /Contents [100 0 R 101 0 R 102 0 R]

CREDIT CARD ACCOUNT /Encoding /WinAnsiEncoding << You may request, either in writing or by phone, an increase in your credit limit which must be approved by the Credit Union. With regulatory approval in hand, the matter went to members for six weeks of voting. << 14. /MediaBox [0 0 612 792] /Group 138 0 R /Icircumflex /Idieresis /Eth /Ntilde /Ograve /Oacute /Ocircumflex /Otilde /Odieresis /multiply

37 0 obj To get you through the application process as quickly as possible, let us know if you are already a member. To the extent permitted by law, you will also be required to pay the Credit Unions collection expenses, including court costs and reasonable attorneys fees.

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This means the Credit Union can enforce this Agreement against any of you individually or all of you together. << On the other hand, spending with a debit card means you're spending your money - it comes directly from your checking account. /Type /Page 15 0 obj endobj Cash advances are always subject to a FINANCE CHARGE (interest) from the date they are posted to your account. Your obligation to pay the amount owed on your account continues until paid in full, even though an agreement, divorce decree, or other court judgment to which the Credit Union is not a party may direct someone else to pay the account balance. 19 0 obj endobj

/Font 10 0 R Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore. 2 0 obj 16. For the practical purposes of customers, there are no immediate changes. << >> endobj /Count 29

>>

>> /StructParents 3 /Tabs /S <<

<< 47 0 obj << RETURNS AND ADJUSTMENTS - Merchants and others who honor the card may give credit for returns or adjustments, and they will do so by sending their processor a credit slip which will be posted to your account. If you also have a regular checking account with us, that checking account is completely separate from the checks you write under this Account. /Contents [65 0 R 66 0 R 67 0 R] /Tabs /S

/Resources 177 0 R %PDF-1.6 endobj 33 0 obj 31 0 obj

/Parent 11 0 R /MediaBox [0 0 792 612] Like many credit unions, they have expanded their membership criteria far beyond the original parameters. The result was announced to members Wednesday evening. /Resources 144 0 R 7.

Collection Costs. /Annots [] 26 0 obj Billing Rights. The results are the daily balances. 1 0 obj

/Kids [45 0 R] . /Subtype /Type1 /acircumflex /atilde /adieresis /aring /ae /ccedilla /egrave /eacute /ecircumflex /edieresis 700 Patroon Creek Blvd.

>>

/Resources 169 0 R

/Type /Pages

financialwellbeing@sefcu.com, Managing Credit

/Parent 11 0 R Not registered for Online Banking? /Resources 99 0 R /Type /Page /StructParents 14 (a) paying the check would cause your credit limit to be exceeded or the check was written for less than the minimum of $25.00; or

/Type /Pages /BaseFont /Times-Bold /MediaBox [0 0 612 792] /Type /Page

/Type /Page >> But be careful of something called "courtesy overdraft protection.". A fee of 1% of the amount of the transaction, calculated in U.S. dollars, will be imposed on all foreign transactions, including purchases, cash advances and credits to your account.

800-727-3328, x4066 /Parent 11 0 R In some cases, you will be given the option to not accept a change to this Agreement upon receipt of a notice informing you of a change. The Balance Transfer APR is 10.24% which is a monthly periodic rate of 0.8533% You will have no liability for unauthorized purchases made with your credit card. endobj endobj

/Annots [] /Annots [] /Resources 180 0 R >> /StructParents 7 << /F2 48 0 R 700 Patroon Creek Blvd.

Property securing other loans with us may also secure this account. When you are in default, the Credit Union has the right to demand immediate payment of your full account balance without notice. /Parent 11 0 R Penalty Fees /Contents [50 0 R 178 0 R 179 0 R] /Tabs /S Each payment you make on the account will restore your credit limit by the amount of the payment which is applied to the principal amount of purchases and cash advances. /dotlessi /lslash /oe /scaron /zcaron 160 /Euro 164 /currency 166 /Length 3553 >> /Parent 11 0 R /Parent 11 0 R 32 0 obj

Returned Payment Fee $25.00 or the amount of the required minimum payment, whichever is less. This APR will vary with the market based on the Prime Rate. (C) is under direct or indirect common control with the holder; /Names 5 0 R /Resources << 4.

/Annots [] /Resources 124 0 R 23 0 obj

which is based upon comparable information. MERCHANT DISPUTES - The Credit Union is not responsible for the refusal of any merchant or financial institutions to honor the card. 518-452-8183 800-727-3328 Box 12189, Albany, NY 12212-2189 U@ )r3{Q-c6L.i xR_\Rt%FwK_Y3kzh%d( 0-k EFFECT OF AGREEMENT - The Agreement is the contract which applies to all transactions on your account even though the sales, cash advances, credit, or other slips you sign or receive may contain different terms. /Resources 129 0 R 1-22BXV401 /Parent 11 0 R You will be in default if you make any false or misleading statements on any credit application or credit update. These codes are provided by your local credit union.

Please enter your Teacher or SEG code to get started. 25 0 obj

endobj

As part of the process of a merger of equals, the two credit unions will choose a new name. /Type /Page /Type /Page

State Employees Federal Credit Union, founded in 1934, is no longer just for state employees but for anyone who lives, works, worships, volunteers or attends school inSEFCUs service areas, or is connected with the roughly 2,000 employer groups affiliated withSEFCU, or is related to someone who meets any of these criteria. Albany, NY 12206-1067 (b) you are in default under this Agreement; or You will be in default if you die, file for bankruptcy, or become insolvent, that is, unable to pay your obligations when they become due. >> << -Late Payment Fee

>>

W%YEU]rH)"33'u{dPUtN*');,jf'#z4~*/|:XHdGGgrXFhv If immediate payment is demanded, you will continue to pay a FINANCE CHARGE, at the periodic rate charged before default, until what you owe has been paid, and any shares that were given as security will be applied toward what you owe. >>

You may, of course, pay more frequently, pay more than the minimum payment, or pay the Total New Balance in full. 8. Credit card issuers also provide dispute settlement when you ordered something that wasn't what was promised or if a merchant refuses to refund your money. www.sefcu.com <<

/Helv 16 0 R (2) the amount of the initial transaction exceeds $50.00; and /Annots [] /Group 53 0 R /Type /Catalog 6.90% Introductory APR for 180 days from the issuance of the card. >> /AA 6 0 R

/StructParents 19 -Returned Payment Fee

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to the first day of each calendar quarter (January, April, July and October) as published in The Wall Street Journal Money Rates table to which we adda margin. /Parent 11 0 R /Group 158 0 R endobj Even if you report fraudulent charges before the 60-day limit, you could be responsible for up to $500 if you know your card is being used and you do not promptly tell the bank. >> endobj << Any increase in the ANNUAL PERCENTAGE RATE will take the form of

/Annots [] /brokenbar 168 /dieresis /copyright /ordfeminine 172 /logicalnot /.notdef /registered /macron <<

<< Some banks may offer you these options on all transactions that overdraw your account, not just ATM and certain debit card purchases. OTHER CHARGES - The following other charges, which are disclosed on the Account Opening Disclosure, will be added to your account, as applicable.

If you default, the Credit Union has the right to offset against those shares. /Type /Page The exchange rate used on the processing date may differ from the rate that would have been used on the purchase date or cardholder statement posting date. /Parent 12 0 R

endobj

6.90% Introductory APR for 180 days from the issuance of the card.

. LIABILITY FOR UNAUTHORIZED USE - You may be liable for the unauthorized use of your credit card. The merged entity will take shape gradually over many months. << 2.

<< Cash advances will be charged at 6.99% above the Index.

>> The Member is responsible to pay for all purchases, advances, and other charges to the account made by each Cardholder, even if the charges were not specifically authorized by the Member. If your debit card is stolen, your liability coverage depends greatly on when you report unauthorized activity to your financial institution. But there are some significant differences that make them both important tools to have in your financial toolbox. 9 0 obj

/Tabs /S Please keep this attached to your LOANLINER Consumer Credit Card Agreement. /CropBox [0 0 612 792] /Resources 159 0 R /Group 148 0 R

<< /Resources 104 0 R 3. Consumer Financial Protection Bureau /Group 128 0 R

In addition, at any time your Total New Balance exceeds your credit limit, you must immediately pay the excess upon demand. /Type /Page NO WAIVER - If any section of the Agreement is deemed void, the unaffected section(s) and the Agreement as a whole are still binding. www.sefcu.com We will email a password reset link. stream With its larger size, it hopes to provide more by way of services and technologies. LOST CARD NOTIFICATION - If you believe your credit card has been lost or stolen, immediately inform the Credit Union by calling: 518-452-8183 or 800-449-7728 outside the 518 area code within the continental U.S. /Resources 94 0 R << /Filter /FlateDecode

SECURITY INTEREST - If you give the Credit Union a specific pledge of shares by signing a separate pledge of shares for this account, your account will be secured by your pledged shares. /Parent 11 0 R 6. /Contents [135 0 R 136 0 R 137 0 R] Please enter your email address below. The Introductory Balance Transfer APR is 6.90% which is a monthly periodic rate of 0.5750%

Explore personalized resources and save your progress. /StructParents 17 -Cash Advance Fee Topics are available for all ages and education is always free. /Contents [70 0 R 71 0 R 72 0 R] If SEFCU determines that you were grossly negligent or fraudulent in the handling of your account or Card, your liability with respect to unauthorized transactions may be enforced to the extent allowed under applicable law. /Contents [60 0 R 61 0 R 62 0 R]

endobj >> Except as stated above, Visa checks will be treated the same way as other checks.