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. Penalty APR: 18%; Penalty APR will apply until you become current and make six consecutive minimum monthly payments.