VISA Credit Card Disclosure
Effective 7/16/2011

Interest Rates and Interest Charges

Annual Percentage Rales (APR) for Purchases

10.50%

APR for Cash Advances

10.50%

APR for Balance Transfers

10.50%

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 Federal Reserve Board

To learn more about factors to consider when applying for or using a credit card, visit the Website of the Federal Reserve Board at http://www.federalreserve.gov/creditcard.

Fees

Transaction Fees

 

- Foreign Transaction Fee

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
- Retumed Payment Fee

Up to $35.00
Up to $35.00

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 16, 2011. 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 ten (10) or more days late in making a payment. In the event you fail to make a payment on time in any of the six (6) billing cycles following the violation, you will be charged $35.00 or the amount of the required minimum payment, whichever is less.

Returned Payment Fee

$25.00 or the amount of the required minimum payment, whichever is less. In the event a payment is returned in any of the six (6) billing cycles following the violation, you will be charged $35.00 or the amount of the required minimum payment, whichever is less.

Telephone Payment Fee

$20.00

Card Replacement Fee

$10.00

 

*This form was updated on 7-16-2011 and is accurate of that date, but is subject to change.

NOTE: You must agree to these terms to access the Credit Card Application.



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National Credit Union Association Equal  Housing Lender Equal Opportunity Lender
We do business in accordance with the
Federal Housing Law and the Equal Credit Opportunity Act.