Must be a member of CFCU Community Credit Union, eligible to anyone who lives, works or attends school in Tompkins or Cortland Counties, New York, as well as any business or organization located in Tompkins or Cortland Counties. Annual Fee: $15, waived if you maintain Direct Deposit or a CFCU mortgage. Cash Advance Fees: Either 3% of the amount of each cash advance done through an ATM, or 4% of the amount if done at a financial institution, or $10 minimum, whichever is greater. Grace Period: Your due date is at least 25 days after the close of each billing cycle. The card issuer will not charge you interest on purchases if you pay your entire balance by the due date each month. Penalty APR: None.