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More. In a word, that is what you will find with First Federal’s Gold MasterCard card. More prestige... more purchasing power... more savings... more security... and more of the service that you deserve. We invite you to apply for our Gold MasterCard. It gives you more financial clout whenever and wherever you use it.

   A First Federal Gold MasterCard gives you more financial clout and all the advantages you'd expect from a card with true exclusivity.

In addition to a 25-day grace period and low $35 annual fee, you will receive a wide range of extra services at your fingertips... and at no extra charge.
     

  Account Details:
 
Annual Percentage Rate for Purchases and Cash Advances Prime Rate (as defined below) 4.5% as of 11/6/2008, plus 3.9%, which results in an APR of 8.4%

Variable Rate Information

 Your annual percentage rate may vary. The Rate is determined by adding 3.9% to the “Prime Rate” as published under the “Money Rates” subsection in the Wall Street Journal on the last business day of a month. ** If payment is received late twice in any six month period, an adjusted APR of 18.00% takes effect on purchases and Cash Advances. **(The variable rate will not exceed 18.00%.)
Grace Period for Repayment of Balances for Purchases

You have 25 days to repay your balance for purchases before a finance charge on purchases will be imposed.

Method of Computing the Balance for Purchases

 Average daily balance including new purchases.

Annual Fee

 $35.00
Minimum Finance Charge

None

Transaction Fee for Purchases

None

Transaction Fee for Cash Advances, and Fees for Paying Late, Exceeding the Credit Limit or Return Check Fee

 Transaction fee for cash advances, 2% ($3.00, minimum-$50.00 maximum) of the amount of each cash advance. Late payment fee $6.20. Over-the-Limit fee $10.00. Return check fee $25.00.
Additional Benefits More purchasing power. More savings. And more security.

Shopper's Advantage(R) toll-free phone shopping service that saves you up to 50% off list prices on thousands of brand-name products.

Card Cash(TM) 24/7 emergency cash access at 5,000 locations around the country.

Credit Card Registration that notifies your card issuers 24/7 if your cards are lost or stolen.

Insurance coverage on your rental car and the items in it.

Travel Security (TM) that offers up to $1,000 reimbursement for events like rental car collisions or lost luggage when you charge your car or air fare.

Travel accident insurance that provides $500,000 accidental death or dismemberment insurance for you and your spouse on any common carrier when you charge your fares on the Gold MasterCard.


 
   
   
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