Must be a member of Air Force FCU. Late Payment Fee: Up to $37 per occurrence. Foreign Transaction Fee: 1% of U.S. Dollar transaction amount whether or not the transaction is charged in U.S. dollars. Penalty APR: 17.95%; if your APRs are increased because you were 60 days or more past due, the Penalty APR will apply until you make six consecutive minimum payments when due. The card company will not charge you interest on Purchases if you pay your entire balance by the due date each month. Balance Transfer Fee: Either $2 or 2% of the amount of each transfer, whichever is greater. Cash Advance Fee: Either $2 or 2% of the amount of each advance, whichever is greater.