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APR=Annual Percentage Rate. The standard rate on Tyndall credit cards is currently 8.49%-15.99% APR, based on creditworthiness, which will vary with the market based on the Prime Rate. This rate is accurate as of 10/19/19. The Index used to determine your variable APR is the Prime Rate published in the Money Rates column of the Wall Street Journal on the last business day the rate is published in each calendar month. If the Prime Rate changes, the new rate will take effect on the first day of the next billing cycle. As of 10/30/19, the Prime Rate is 4.75%. New credit card loan subject to completed application and approval. Foreign transaction fees: international transactions that involve currency conversion - 1%, international transactions that do not involve currency conversions - .8%. Ask for your specific rate. Your due date is at least 21 days after we mail your billing statement, and Cash Advances are always subject to a FINANCE CHARGE from the date they are posted to your account. We will not charge you interest on purchases if you pay your entire new 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. Late payment fee is 10% of payment due with a minimum of $2.00. All rates and offers are subject to change without notice. Membership required; an initial $1 non-refundable membership fee will apply.