7/24/2019

Visa Platinum, Visa Platinum Rewards, & Visa Signature Disclosure Information | Hudson Valley Federal Credit Union

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Disclosure Information for
Visa Platinum, Visa Platinum
Rewards, & Visa Signature

Credit Card Rates Eﬀective January 1, 2019

Interest
Rates and
Interest
Charges

Annual
Percentage
Rate (APR)
for
Purchases

Visa® Platinum

Visa Platinum Rewards

13.50% to
17.75%
This APR will vary with
the market based on the
Prime Rate

14.50% to
18.00%
This APR will vary with
the market based on the
Prime Rate

https://www.hvfcu.org/Personal/Credit-Card/Disclosure-Information-for-Visa-Platinum-and-Visa

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Visa Platinum, Visa Platinum Rewards, & Visa Signature Disclosure Information | Hudson Valley Federal Credit Union

APR for
Balance
Transfers

13.50% to 17.75% 
This APR will vary with
the market based on the
Prime Rate

14.50% to 18.00% 
This APR will vary with
the market based on the
Prime Rate

APR for
Cash
Advances

13.50% to 17.75% 
This APR will vary with
the market based on the
Prime Rate

14.50% to 18.00% 
This APR will vary with
the market based on the
Prime Rate

None

None

Penalty
APR and
When it
Applies

https://www.hvfcu.org/Personal/Credit-Card/Disclosure-Information-for-Visa-Platinum-and-Visa

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Visa Platinum, Visa Platinum Rewards, & Visa Signature Disclosure Information | Hudson Valley Federal Credit Union

Paying
Interest

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. We will
begin charging interest
on cash advances and
balance transfers on the
transaction date.

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. We will
begin charging interest
on cash advances and
balance transfers on the
transaction date.

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

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

www.consumerﬁnance.gov/learnmore.

www.consumerﬁnance.gov/learnmore

Fees

Annual Fee N/A

N/A

https://www.hvfcu.org/Personal/Credit-Card/Disclosure-Information-for-Visa-Platinum-and-Visa

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Visa Platinum, Visa Platinum Rewards, & Visa Signature Disclosure Information | Hudson Valley Federal Credit Union

Transaction
Fees

Cash
Advance

2% of advance amount

2% of advance amount

Foreign
Transaction

Exchange Rate plus 1% of
transaction

Exchange Rate plus 1% of
transaction

up to $29

up to $29

Penalty
Fees
Late
Payment

How We Will Calculate Your Balance: We use a method called
“average daily balance” (including new purchases, cash advances
and balance transfers). See the Variable Rate Credit Card Agreement
and Truth in Lending Disclosure for more details.

Billing Rights: Information on your rights to dispute transactions
and how to exercise those rights are provided in the Variable Rate
Credit Card Agreement and Truth in Lending Disclosure.

Your new credit card has a variable rate. Additional rate information
is as follows:

https://www.hvfcu.org/Personal/Credit-Card/Disclosure-Information-for-Visa-Platinum-and-Visa

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Visa Platinum, Visa Platinum Rewards, & Visa Signature Disclosure Information | Hudson Valley Federal Credit Union

Visa
Platinum

Visa
Platinum
Rewards

Visa
Signature

1.12500% to
1.47916%

1.20833% to
1.50000%

1.29166% to
1.31250%

MONTHLY
PERIODIC RATE
FOR APR
SHOWN
ABOVE FOR
PURCHASES,
CASH
ADVANCES,
AND BALANCE
TRANSFERS

MARGIN

8.00% TO
12.25%

9.00% TO
13.25%

10.00% TO
10.25%

The Annual Percentage rate and monthly periodic rate above is in
eﬀect until the next monthly change. Refer to your Variable Rate
Credit card Agreement and Truth in Lending Disclosure for more
information regarding your variable rate.

https://www.hvfcu.org/Personal/Credit-Card/Disclosure-Information-for-Visa-Platinum-and-Visa

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