Must be a Members 1st FCU member. Foreign Currency Fee: 1.0% on multiple currency conversions; 0.80% on single currency conversions. Grace Period: The due date is approximately 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. The card issuer will begin charging interest on cash advances, balance transfers, and convenience checks on the transaction date. Late Fee: Up to $27 the first time, any subsequent violation within six (6) months up to $38. Penalty APR: 18.00%; if your account becomes 60 days delinquent, the Penalty APR will be applied to your balances for a minimum period of six months or payment cycles.