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Visa® Credit Card Application Disclosure

Interest Rates and Interest Charges

Annual Percentage Rate (APR) for
Purchases

9.90%, 11.90%, 13.90% or 17.90%^
when you open your account, based on your creditworthiness.

APR for Cash Advances

9.90%, 11.90%, 13.90% or 17.90%^
when you open your account, based on your creditworthiness.

APR for Balance Transfers

9.90%, 11.90%, 13.90% or 17.90%^
when you open your account, based on your creditworthiness.

How to Avoid Paying Interest on Purchases

Your due date is at least 25 days after the close of each billing cycle.
We do not charge you interest on purchases if you pay your entire
balance by the due date each month.

For Credit Card Tips from the Federal Reserve Board

To learn more about factors to consider when applying for or using a credit card, visit the Web site of the Federal Reserve Board at http://www.federalreserve.gov/creditcard
Fees

Transaction Fees
· Cash Advance Fee
· Foreign Transaction Fee


$2.00

1.00% of each transaction in U.S. dollars

Penalty Fees
· Late Payment Fee
· Returned Payment Fee


$20.00

$25.00

^The ANNUAL PERCENTAGE RATE is based on certain credit-worthiness criteria


How We Will Calculate Your Balance. We use a method called “average daily balance (excluding new purchases).”

Effective Date.
The information about the costs of the card described in this application is accurate as of March 1, 2010.
This information may have changed after that date. To find out what may have changed, contact the Credit Union.


OTHER DISCLOSURES
Late Payment Fee $20.00 if you are seven (7) or more days late
Statement Copy Fee $5.00 per statement
Document Copy Fee $5.00 per page
Rush Fee $15.00
Card Replacement Fee $5.00

I Accept

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