Must be an ESL Federal Credit Union member. There is no Annual Membership Fee if you do not participate in the Rewards program. There is a $50 Annual Membership Fee if you participate in the Rewards Program. APR for Purchases: 3.99% Introductory APR for six billing cycles following the account open date. After that, 9.99% This APR will vary with the market based on the Prime Rate. Balance Transfer and Cash Advance Fees: None. International Service Assessment: 1% of transaction amount. Late Payment Fee: $39. Returned Payment Fee: $35. Over the Credit-Limit Fee: $39. Penalty APR: 18%; If your APRs are increased for the reason stated, the Penalty APR will be applied until the billing cycle after your past due status is corrected.