First Northern Credit Union - VISA Credit Card Disclosure
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VISA Credit Card Disclosure
APR As Low As:*


Annual
Percentage Rate
(APR) For
Purchases

APR For Cash
Advances And
Balance Transfers
Penalty APR** Grace Period
For Purchase
Repayment

Method Of
Computing
Balance For
Repayment

Annual Fee

Visa Platinum 8.99% 8.99% 17.99% 25 Days Average
Daily Balance (including
current transactions)
NONE
VISA Platinum Premier 10.25% 10.25% 17.99% 25 Days NONE
VISA Classic 12.25% 12.25% 17.99% 25 Days NONE


RELATED FEES: Late Payment Fee, $20.00; Over the Limit Fee, $20.00; Returned Check Fee, $20.00; Card Recover Fee, $50.00;
Copy of VISA Sales Draft, $4.00; Cash Advance Fee, 2.00% of the Cash Advance or $5.00, whichever is greater. Foreign transaction
fee up to 1% of the U.S. dollar amount of the transaction, whether originally made in U.S. dollars or converted from a foreign currency.

APR = Annual Percentage Rate

*Subject to credit approval. Rates are subject to Lender's credit criteria, certain conditions, and restrictions. Your rate and corresponding Annual Percentage Rate (APR) may be higher than the published rate. Rates are subject to change at any time without notice. Qualified members only.
**Penalty rate will be imposed if account (a) becomes more than 60 days past due or (b) becomes more than 30 days past due twice in a 12-month period.

Last revised: Friday, September 05, 2008