Interest Rates and Charges 

Annual Percentage Rate 
(APR) for  
Purchase Transactions, 
Cash Transaction, and 
Balance Transfers 

How to Avoid Paying 
Interest 
Paying Interest 

Delinquency 

8.25%-18.00%, (Prime +5.00%-Prime +14.75%) APR Low Rate Platinum* 
8.75%-18.00%, (Prime +5.50%-Prime +14.75%) APR Platinum with CURewards* 
9.25%-18.00%, (Prime +6.00%-Prime +14.75%) APR Platinum with Cash Back* 
18.00% APR Share Secured VISA 
You have a 25-day grace period in which to repay your balance for purchase transactions before a FINANCE 
CHARGE will be imposed. 
Finance charges accrue on cash advances, balance transfers, and convenience checks from the transaction 
date until they are paid in full. 
You will be in default if your account becomes more than two months past due. On the first day of the month 
following notice of default, your APR will be increased to 18.00%. Upon default, if six consecutive payments 
are made on time, the default rate will be removed and previous APR will resume.  
For information about your right to dispute transactions, please refer to section 16 of the Account Agreement. 
To learn more about factors to consider when applying for or using a credit card, visit the website of the 
Federal Reserve Board at www.federalreserve.gov/creditcard. 

Billing Error Rights 
For Credit Card Tips 
 from the Federal  
Reserve Board 
Method of Computing  
the Balance 
*This APR will vary with the market based on the Prime Rate as well as credit score. 

Average Daily Balance Method. 

Fees 

Annual Membership Fee 
Cash Advance Fee 
Balance Transfer Fee 
Late Payment Fee 
Returned Payment Fee 

NONE 
NONE 
NONE 
$25.00 fee may be assessed for payments made later than the due date. 
$10.00 fee assessed for returned payments.