Visa Credit Cards Application

Interest Rates and Interest Charges

Annual Percentage Rate (APR) for Purchases

Visa Platinum

8.99% to 10.50% when you open your account, based on your creditworthiness.

Visa Platinum Premier

10.25% to 11.75% when you open your account, based on your creditworthiness.

Visa Classic

12.25% to 16.75% when you open your account, based on your creditworthiness.

Visa Classic CreditSense

16.99%

APR for Balance Transfers

Visa Platinum

8.99% to 10.50% when you open your account, based on your creditworthiness.

Visa Platinum Premier

10.25% to 11.75% when you open your account, based on your creditworthiness.

Visa Classic

12.25% to 16.75% when you open your account, based on your creditworthiness.

Visa Classic CreditSense

16.99%

APR for Cash Advances

Visa Platinum

8.99% to 10.50% when you open your account, based on your creditworthiness.

Visa Platinum Premier

10.25% to 11.75% when you open your account, based on your creditworthiness.

Visa Classic

12.25% to 16.75% when you open your account, based on your creditworthiness.

Visa Classic CreditSense

16.99%

Penalty APR and When it Applies

17.99%

This APR may be applied to your account if you:
- Make a late payment

How long will the penalty APR Apply? If your APRs are increased for this reeason, the Penalty APR will apply until you make six (6) consecutive minimum payments when due.

How to Avoid Paying Interest on Purchases

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

For Credit Card Tips form the Consumer Financial Protection Bureau

To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore.

Fees

Annual Fee

- Annual Fee - Visa Platinum

- Annual Fee - Visa Platinum Premier

- Annual Fee - Visa Classic

- Annual Fee - Visa Classic CreditSense


None
None
None
$29.00

Transaction Fees

- Balance Transfer - Visa Platinum
- Balance Transfer - Visa Platinum Premier
- Balance Transfer - Visa Classic
- Balance Transfer - Visa Classic CreditSense

- Cash Advance Fee - Visa Platinum/Visa Platinum Premier/Visa Classic
- Cash Advance Fee - Visa Classic CreditSense

- Foreign Fee

 

2.00% of the amount of each balance transfer
2.00% of the amount of each balance transfer

2.00% of the amount of each balance transfer
4.00% of the amount of each balance transfer
 

$5.00 or 2.00% of the amout of each cash advance, whichever is greater (Maximun Fee:$200.00)
 

$5.00 or 4.00% of the amout of each cash advance, whichever is greater (Maximun Fee:$200.00)

1.00% of each multiple currency transaction in U.S. dollars
0.80% of each single currency transaction in U.S. dollars

Penalty Fees

- Late Payment Fee
- Returned Payment Fee

 

Up to $25.00
Up to $25.00

 

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

Application of Penalty APR. Your APR may be increased to the disclosed Penalty APR if you are 60 days late in making a payment.

Effective Date.
The information about the costs of the card described in this application is accurate as of December 1, 2012. 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 minumum payment, whichever is less, if you are five (5) or more days late in making a payment.
Returned Payment Fee $25.00 or the amount of the required minumum payment, whichever is less.
Rush Card Fee $15.00
Rush PIN Fee $15.00
Emergency Card Replacement Fee $165.00

 

Last revised: Friday, November 22, 2013