NYS Banking Department-Credit Card Survey

Interest Rate Information
Credit Card Survey

U.S. Bank

U.S. Bank 601 Second Avenue South, Minneapolis, MN 55402 800-285-8585

Visa Personal Platinum
Purchases			Cash Advance
APR Purchases	15.74% V		APR Cash Advance	22.24% V
Grace Period	20 Days from billing		Grace Period	no grace period
Annual Fee	$40.00		Cash Fee	4%/$5 min
Late Payment Fee	$39.00
Over the Limit Fee	$35.00
Restrictions	APR may vary depending on creditworthiness. Annual fee waived with one purchase per year.

U.S. Bank 601 Second Avenue South, Minneapolis, MN 55402 800-285-8585

Visa Rebate Platinum
Purchases			Cash Advance
APR Purchases	15.74% V		APR Cash Advance	22.24% V
Grace Period	20 Days from billing		Grace Period	no grace period
Annual Fee	$40.00		Cash Fee	4%/$5 min
Late Payment Fee	$39.00
Over the Limit Fee	$35.00
Restrictions	Cash-Credit: Cash Rewards Card. Earn up to 1% on purchases, $350 max. per year.

U.S. Bank 601 Second Avenue South, Minneapolis, MN 55402 800-285-8585

Visa Rebate Platinum
Purchases			Cash Advance
APR Purchases	17.00% V		APR Cash Advance	22.24% V
Grace Period	20 Days from billing		Grace Period	no grace period
Annual Fee	$55.00		Cash Fee	3%/$5 min
Late Payment Fee	$39.00
Over the Limit Fee	$35.00
Restrictions	Air Miles: WorldPerks card. Earn 1 mile for every dollar spent. Redeem them with any qualified WorldPerks partner airlines.

U.S. Bank 601 Second Avenue South, Minneapolis, MN 55402 800-285-8585

Visa Student Classic
Purchases			Cash Advance
APR Purchases	17.74% V		APR Cash Advance	22.24% V
Grace Period	20 Days from billing		Grace Period	no grace period
Annual Fee	$20.00		Cash Fee	4%/$5 min
Late Payment Fee	$39.00
Over the Limit Fee	$35.00
Restrictions	APR may vary depending upon creditworthiness.

UMB Bank

UMB Bank 4900 Main Street, Kansas City, MO 64106 800-421-2273

Visa Personal Platinum
Purchases			Cash Advance
APR Purchases	10.90% V		APR Cash Advance	12.90% V
Grace Period	25 Days from billing		Grace Period	no grace period
Annual Fee	$ 0.00		Cash Fee	3%/$5-$25
Late Payment Fee	$39.00
Over the Limit Fee	$29.00
Restrictions	APR may vary depending upon creditworthiness.

Union Plus/Household Bank

Union Plus/Household Bank PO Box 18622, Salinas, CA 93912 800-651-5108

MasterCard Secured Standard
Purchases			Cash Advance
APR Purchases	18.00% F		APR Cash Advance	19.99% F
Grace Period	25 Days from billing		Grace Period	no grace period
Annual Fee	$20.00		Cash Fee	3%/$5 min
Late Payment Fee	$35.00
Over the Limit Fee	$39.00
Restrictions	Must be a union member. No application fee. Deposit: $250-$5,000. Line of credit same as deposit.

Union State Bank

Union State Bank 100 Dutch Hill Road, Orangeburg, NY 10962 800-887-8775

MasterCard Rebate Gold
Purchases			Cash Advance
APR Purchases	14.15% V		APR Cash Advance	19.80% F
Grace Period	25 Days from billing		Grace Period	no grace period
Annual Fee	$ 0.00		Cash Fee	2%/$2-$10
Late Payment Fee	$20.00
Over the Limit Fee	$25.00
Restrictions	Other: Scorecard. Earn 1 point for every net dollar in purchases. Redeem points for travel and merchandise.

Union State Bank 100 Dutch Hill Road, Orangeburg, NY 10962 800-887-8775

MasterCard Rebate Standard
Purchases			Cash Advance
APR Purchases	14.15% V		APR Cash Advance	19.80% F
Grace Period	25 Days from billing		Grace Period	no grace period
Annual Fee	$12.00		Cash Fee	2%/$2-$10
Late Payment Fee	$20.00
Over the Limit Fee	$25.00
Restrictions	Other: Scorecard. Earn 1 point for every net dollar in purchases. Redeem points for travel and merchandise.

Union State Bank 100 Dutch Hill Road, Orangeburg, NY 10962 800-887-8775

Visa Rebate Classic
Purchases			Cash Advance
APR Purchases	14.15% V		APR Cash Advance	19.80% F
Grace Period	25 Days from billing		Grace Period	no grace period
Annual Fee	$12.00		Cash Fee	2%/$2-$10
Late Payment Fee	$20.00
Over the Limit Fee	$25.00
Restrictions	Other: Scorecard. Earn 1 point for every net dollar in purchases. Redeem points for travel and merchandise.

Union State Bank 100 Dutch Hill Road, Orangeburg, NY 10962 800-887-8775

Visa Rebate Gold
Purchases			Cash Advance
APR Purchases	14.15% V		APR Cash Advance	19.80% F
Grace Period	25 Days from billing		Grace Period	no grace period
Annual Fee	$ 0.00		Cash Fee	2%/$2-$10
Late Payment Fee	$20.00
Over the Limit Fee	$25.00
Restrictions	Other: Scorecard. Earn 1 point for every net dollar in purchases. Redeem points for travel and merchandise.

United Mileage Plus Signature Visa Card

United Mileage Plus Signature Visa Card PO Box 8600, Wilmington, DE 19886 800-537-7783

Visa Rebate Platinum
Purchases			Cash Advance
APR Purchases	17.24% V		APR Cash Advance	21.74% V
Grace Period	20 Days from billing		Grace Period	no grace period
Annual Fee	$60.00		Cash Fee	3%/$10 min
Late Payment Fee	$39.00
Over the Limit Fee	$0.00
Restrictions	Air Miles: Earn 1 mile for every $1 spent in purchases. Receive 15,000 bonus miles after first purchase. Double redeemable miles on all united.com airline ticket purchases made with the card, plus earn 1 Elite Qualifying Mile for every $1 spent on united.com airline ticket purchases, up to 5,000. Earn up to 11 miles for every $1 spent at participating restaurants. The minimum gross annual income required for an account is $14,400.

United Nations Federal Credit Union

United Nations Federal Credit Union 820 Second Avenue, 12th Floor, New York, NY 10017-4504 212-338-8100

Visa CrdtUnion Classic
Purchases			Cash Advance
APR Purchases	13.15% V		APR Cash Advance	13.15% V
Grace Period	25 Days from billing		Grace Period	no grace period
Annual Fee	$ 0.00		Cash Fee	$0
Late Payment Fee	$10.00
Over the Limit Fee	$10.00
Restrictions	Available nationally to members only. APR may vary depending on creditworthiness.

United Nations Federal Credit Union 820 Second Avenue, 12th Floor, New York, NY 10017-4504 212-338-8100

Visa CrdtUnion Gold
Purchases			Cash Advance
APR Purchases	12.15% V		APR Cash Advance	12.15% V
Grace Period	25 Days from billing		Grace Period	no grace period
Annual Fee	$ 0.00		Cash Fee	$0
Late Payment Fee	$10.00
Over the Limit Fee	$10.00
Restrictions	Available nationally to members only. APR may vary depending on creditworthiness.

United Nations Federal Credit Union 820 Second Avenue, 12th Floor, New York, NY 10017-4504 212-338-8100

Visa Personal Platinum
Purchases			Cash Advance
APR Purchases	11.15% V		APR Cash Advance	11.15% V
Grace Period	25 Days from billing		Grace Period	no grace period
Annual Fee	$50.00		Cash Fee	$0
Late Payment Fee	$10.00
Over the Limit Fee	$10.00
Restrictions	Available nationally to members only. APR may vary depending on creditworthiness.

Universal Entertainment MasterCard from Chase

Universal Entertainment MasterCard from Chase 2 Chase Manhattan Plaza, 21st Floor, New York, NY 10081

MasterCard Rebate Platinum
Purchases			Cash Advance
APR Purchases	17.24% V		APR Cash Advance	27.24% V
Grace Period	20 Days from billing		Grace Period	no grace period
Annual Fee	$ 0.00		Cash Fee	3%/$10 min
Late Payment Fee	$39.00
Over the Limit Fee	$35.00
Restrictions	Music, Entertainment: Earn 1 Universal Point for every dollar spent and earn double points on select Universal purchases. Receive a free movie ticket with first purchase. Only 900 points needed for first reward. APRs and Intro offer may vary depending upon creditworthiness. The minimum gross annual income required for an account is $14,400.

Universal Entertainment Student MasterCard from Chase

Universal Entertainment Student MasterCard from Chase P.O. Box 35207, Wilmington, DE 19886-0470

MasterCard Student Platinum
Purchases			Cash Advance
APR Purchases	17.24% V		APR Cash Advance	23.24% V
Grace Period	20 Days from billing		Grace Period	20 Days from billing
Annual Fee	$ 0.00		Cash Fee	3%/$10 min
Late Payment Fee	$39.00
Over the Limit Fee	$35.00
Restrictions	Music, Entertainment: Earn 1 Universal Point for every dollar spent and earn double points on select Universal purchases. Receive a free movie ticket with first purchase. Only 900 points needed for first reward. APRs and Intro offer may vary depending upon creditworthiness. The minimum gross annual income required for an account is $14,400.

USAirways Dividend Miles/Bank of America

USAirways Dividend Miles/Bank of America P.O. Box 53132, Phoenix, AZ 85073 800-341-7568

Visa Rebate Classic
Purchases			Cash Advance
APR Purchases	16.99% V		APR Cash Advance	22.99% V
Grace Period	20 Days from billing		Grace Period	no grace period
Annual Fee	$50.00		Cash Fee	4%-5%/$5-$25
Late Payment Fee	$39.00
Over the Limit Fee	$35.00
Restrictions	Air Miles: Earn one Dividend Mile for every $1 of purchases; 5,000 bonus Dividend Miles first time card is used. Mileage cap 50,000 per year.

USAirways Dividend Miles/Bank of America P.O. Box 53132, Phoenix, AZ 85073 800-341-7568

Visa Rebate Gold
Purchases			Cash Advance
APR Purchases	16.99% V		APR Cash Advance	22.99% V
Grace Period	20 Days from billing		Grace Period	no grace period
Annual Fee	$70.00		Cash Fee	4%-5%/$5-$25
Late Payment Fee	$39.00
Over the Limit Fee	$35.00
Restrictions	Air Miles: Earn one Dividend Mile for every $1 of purchases; 7,000 bonus Dividend Miles first time card is used. Mileage cap 75,000 per year.

USAirways Dividend Miles/Bank of America P.O. Box 53132, Phoenix, AZ 85073 800-341-7568

Visa Rebate Platinum
Purchases			Cash Advance
APR Purchases	16.99% V		APR Cash Advance	22.99% V
Grace Period	20 Days from billing		Grace Period	no grace period
Annual Fee	$90.00		Cash Fee	4%-5%/$5-$25
Late Payment Fee	$39.00
Over the Limit Fee	$35.00
Restrictions	Air Miles: Earn one Dividend Mile for every $1 in purchases. 10,000 bonus Dividend Miles first time card is used. Double miles on purchases of US Airways goods and services when purchased directly from US Airways. No mileage cap.

Survey home page | Previous | Next |

| Home | Search | Site Map |
| Interest Rates |
| Credit Cards | Home Equity Lines of Credit |
| Home Equity Loans | New Auto Loans | Used Auto Loans |

Last Modified: December 30, 2005 by bankrate.com®, a publication of Bankrate, Inc., North Palm Beach, FL 33408

© 2005: bankrate.com®; All rights reserved.