VISA PLUS/VISA/VISA SECURED
Application and Solicitation Disclosure
| Interest Rates and Interest Charges | |
|---|---|
| Annual Percentage Rate (APR) for Purchases |
Visa Plus 11.25% This APR will vary with the market based on the Prime Rate. Visa 16.25% This APR will vary with the market based on the Prime Rate. Visa Secured 16.25% This APR will vary with the market based on the Prime Rate. |
| APR for Balance Transfers | Visa Plus 11.25% This APR will vary with the market based on the Prime Rate. Visa 16.25% This APR will vary with the market based on the Prime Rate. Visa Secured 16.25% This APR will vary with the market based on the Prime Rate. |
| APR for Cash Advances | Visa Plus 11.25% This APR will vary with the market based on the Prime Rate. Visa 16.25% This APR will vary with the market based on the Prime Rate. Visa Secured 16.25% 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 https://www.consumerfinance.gov/learnmore. |
| Fees | |
| Set-up and Maintenance Fees – Additional Card Fee |
$25.00 |
| 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 July 1, 2023. This information may have changed after that date. To find out what may have changed, contact the Credit Union.For California Borrowers, the Visa Plus, Visa and Visa Secured are secured credit cards. Credit extended under this credit card account is secured by various personal property and money including, but not limited to: (a) any goods you purchase with this account, (b) any shares you specifically pledge as collateral for this account on a separate Pledge of Shares, (c) all shares you have in any individual or joint account with the Credit Union excluding shares in an Individual Retirement Account or in any other account that would lose special tax treatment under state or federal law, and (d) collateral securing other loans you have with the Credit Union excluding dwellings. |
||
| Other Fees & Disclosures: | ||
| Late Payment Fee | $20.00 or the amount of the required minimum payment, whichever is less, if you are 10 or more days late in making a payment. | |
| Additional Card Fee | $25.00 | |
| Returned Payment Fee | $10.00 or the amount of the required minimum payment, whichever is less. | |
| Card Replacement Fee | $12.00 | |
| Document Copy Fee | $3.00 | |
| Emergency Card Replacement Fee | $12.00 | |
| Pay-by-Phone Fee | $5.00 | |
| PIN Replacement Fee | $12.00 | |
| Rush Fee | $12.00 | |
| Statement Copy Fee | $3.00 | |