* Subject to approval based on overall credit worthiness factors. Rate is variable and may change. Access Credit Card funds must be secured against member deposit account. Foreign transaction fee 2.00% of each transaction amount in U.S. dollars completed outside the U.S and/or for each transaction in U.S. dollars completed in a foreign currency. Cash advance fee of $10 or 2.00% of the amount of each cash advance, whichever is greater.