Arrowhead Visa® Credit Card and  
Visa® Classic Secured Credit Card 

Important Disclosure Information 
Interest Rates and Interest Charges 

 Effective: February 1, 2019 

Annual Percentage Rate (APR) 
for Purchases 1 

Arrowhead Visa 12.24% to 27.24% when you open your account,
based on your creditworthiness.  After that, your APR will vary with the market 
based on the Prime Rate. 
Visa Classic Secured 20.24% This APR will vary with the market based on
the Prime Rate. 

APR for Balance Transfers1 

Arrowhead Visa 12.24% to 27.24% and Visa Classic Secured 20.24% 
This APR will vary with the market based on the Prime Rate 

APR for Cash Advances 1 

Arrowhead Visa 12.24% to 27.24% and Visa Classic Secured 20.24% 
This APR will vary with the market based on the Prime Rate 

Penalty APR 2 and 
When it Applies  

Paying Interest 

Arrowhead Visa 19.24% to 34.24% when you open your account, based on your 
creditworthiness.  After that, your APR will vary with the market based on the 
Prime Rate. 
Visa Classic Secured 27.24% This APR will vary with the market based on the 
Prime Rate. 

This APR may be applied to your account if you: 
1) Make a late payment that is sixty (60) days past due; or
2) Make a payment that is returned causing your account to be past due.
How Long Will the Penalty APR Apply?  If your APRs are increased for any of
these reasons, the Penalty APR will apply until you make six (6) consecutive
minimum payments when due.

Your due date is at least 21 days after the close of each billing cycle. We will not 
charge you interest on purchases, balance transfers and cash advances 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 

Annual Fee 

None 

Balance Transfer

Transaction Fees 
•
• Cash Advance
•

Foreign Transaction

None 
None 
1% of each transaction in U.S. Dollars (transactions made in foreign currency) 
0.8% of each transaction in U.S. Dollars (transactions made in foreign currency, 
billed in U.S. Dollars) 

Late Payment

Penalty Fees 
•
• Over-the-Credit Limit
• Returned Payment

Up to $15 
None 
None 

How We Will Calculate Your Balance:  We use a method called “average daily balance (including new purchases).” 

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your Visa Credit Card 
Agreement. 
1. The Prime Rate (Index) used to determine the APR is 5.50%. We will add a Margin based on your credit score to determine your
APR and corresponding Monthly Periodic Rate.

2. The Prime Rate (Index) used to determine the Penalty APR is 5.50%. We will add a Margin based on your credit score to determine
your Penalty APR and corresponding Monthly Periodic Rate.

Revised 01/29/2019