Visa Application and Solicitation Disclosure
| Interest Rates and Interest Charges | |
|---|---|
| Annual Percentage Rate (APR) for Purchases |
Visa Plus 8.25% This APR will vary with the market based on the Prime Rate. Visa 13.25% This APR will vary with the market based on the Prime Rate. Visa Secured 13.25% This APR will vary with the market based on the Prime Rate. |
| APR for Balance Transfers | Visa Plus 8.25% This APR will vary with the market based on the Prime Rate. Visa 13.25% This APR will vary with the market based on the Prime Rate. Visa Secured 13.25% This APR will vary with the market based on the Prime Rate. |
| APR for Cash Advances | Visa Plus 8.25% This APR will vary with the market based on the Prime Rate. Visa 13.25% This APR will vary with the market based on the Prime Rate. Visa Secured 13.25% This APR will vary with the market based on the Prime Rate. |
| 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 from 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 | |
| Set-up and Maintenance Fees – Additional Card Fee |
$25.00 (one-time fee) |
| Transaction Fees – Foreign Transaction Fee |
None |
| Penalty Fees – Late Payment Fee – Returned Payment Fee |
Up to $20.00 Up to $10.00 |
| How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).” | |
|---|---|
| Effective Date: | |
| The information about the costs of the card described in this application is accurate as of Nov 1, 2018. 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 or the amount of the required minimum payment, whichever is less, if you are ten or more days late in making a payment. |
| Returned Payment Fee | $10.00 or the amount of the required minimum payment, whichever is less. |
| Statement Copy Fee | $3.00 |
| Document Copy Fee | $3.00 |
| Rush Fee | $12.00 |
| Emergency Card Replacement Fee | $12.00 |
| PIN Replacement Fee | $12.00 |
| Card Replacement Fee | $12.00 |
| Pay-by-Phone Fee | $5.00 |
