Visa Classic and Visa Platinum

Application and Solicitation Disclosure

Interest Rates and Interest Charges

Annual Percentage Rate (APR) for Purchases Visa Classic: 12.90% to 18.00% when you open your account, based on your creditworthiness.Visa Platinum: 9.50%
APR for Cash Advances Visa Classic: 12.90% to 18.00% when you open your account, based on your creditworthiness.Visa Platinum: 9.50%
APR for Balance Transfers Visa Classic: 12.90% to 18.00% when you open your account, based on your creditworthiness.Visa Platinum: 9.50%
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 Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the Web site of the Consumer Finance Protection Bureau at www.consumerfinance.gov/learnmore

Fees

Annual Fee Visa Classic: $10.00 annuallyVisa Platinum: None
Transaction Fees Balance Transfer Fee: NoneCash Advance Fee: NoneForeign Transaction Fee: None
Penalty Fees Late Payment Fee: Up to $25.00Returned Payment Fee: Up to $25.00

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

Effective Date. The information about the cost of the card described in this application is accurate as of October 7, 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 $25.00 or the amount of the required minimum payment, whichever is less, if you are 20 or more days late in making a payment.
Returned Payment Fee $25.00 or the amount of the required minimum payment, whichever is less.
Statement Copy Fee $5.00
Document Copy Fee $5.00
Card Replacement Fee $5.00

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