CREDIT CARD DISCLOSURE STATEMENT AND AGREEMENT 
FOR APGFCU CREDIT AND SHARE SECURED CREDIT

In this Agreement the words “you” and “your” mean each and all of those 
who apply for the card or who sign this Agreement. “Card” means the 
VISA® Credit Card and any duplicates and renewals we issue. Everyone 
who receives, signs or uses a card issued under this Agreement must be a 
member of this Credit Union. “Account” means your VISA Credit Card Line 
of Credit account with us. “We,” “us”and “ours” means Aberdeen Proving 
Ground Federal Credit Union.

1. Responsibility: If we issue a card, you agree to repay all debts and the 
FINANCE CHARGE arising from the use of the card and the card account. 
For example, you are responsible for charges made by yourself, your 
spouse and minor children. You are also responsible for charges made by 
anyone else to whom you give the card and this responsibility continues 
until the card is recovered. You cannot disclaim responsibility by notifying 
us, but we will close the account for new transactions if you so request. 
Your obligation to pay the account balance continues even though an 
agreement, divorce decree or other court judgements to which we are 
not a party may direct you or one of the other persons responsible to 
pay the account. Any person using the card is jointly responsible to pay 
the account. Any person using the card is jointly responsible with you 
for charges he or she makes, but if that person signs the card, he or she 
becomes a party to this Agreement and is also jointly responsible for all 
charges on the account, including yours.

2. Lost Card Notification: If you believe the card has been lost or stolen, 
you should immediately call the Credit Union during business hours at 
(410) 272-4000 or toll-free at 1-800-225-2555. After business hours, call 
toll-free 1-800-543-5073 to contact the Lost/Stolen Center.

3. Liability for Unauthorized Use: You understand that you will not be 
liable to the Credit Union for any card transactions resulting from the loss, 
theft or other unauthorized use of the card unless you have been grossly 
negligent or engaged in fraud, in which case your maximum liability shall 
not exceed $50.00 for any card transactions resulting from the loss, theft 
or unauthorized use of the card that occurs prior to the time you give 
notice to the Credit Union.

4a. Credit Line: If we approve your application, we will establish a self-
replenishing Line of Credit for you and notify you of its amount when 
we issue the card. You agree not to let the account balance exceed 
this approved Credit Line. Each payment you make on the account will 
restore your Credit Line by the amount of the payment which is applied 
to principal. You may request an increase in your Credit Line by written 
application, or telephone call to us at 1-800-225-2555, which must 
be approved by us. By giving you written notice, we may reduce your 
Credit Line from time to time, or, with good cause, revoke your card and 
terminate this Agreement. Upon revocation of your card any outstanding 
balance and FINANCE CHARGE shall immediately become due and payable. 
Good cause includes your failure to comply with this Agreement, our 
adverse reevaluation of your creditworthiness or your use of this card in 
furtherance of any purpose deemed to be illegal under state or federal law. 
You may also terminate this Agreement at any time, but termination by 
either of us does not affect your obligation to pay the account balance and 
FINANCE CHARGE arising from authorized use of the card. The cards remain 
our property and you must recover and surrender to us all cards upon our 
request and upon termination of the Agreement.

4b. Share Secured Credit Line: If we approve your application, we will 
establish a self-replenishing Line of Credit equal in amount to pledged 
shares for you and notify you of its amount when we issue the card. You 
agree not to let the account balance exceed this approved Credit Line.  
Each payment you make on the account will restore your Credit Line by the 
amount of the payment which is applied to principal. You may request an 

increase in your Credit Line by written application or telephone call 
to us, which must be approved by us at 1-800-225-2555, and by pledging 
the additional shares equivalent to the increased Credit Line. By giving 
you written notice, we may reduce your Credit Line from time to time, 
or, with good cause, revoke your card and terminate this Agreement. Upon 
revocation of your card any outstanding balance and FINANCE CHARGE 
shall immediately become due and payable. Good cause includes your 
failure to comply with this Agreement, our adverse reevaluation of your 
creditworthiness or your use of this card in furtherance of any purpose 
deemed to be illegal under state or federal law. You may also terminate this 
Agreement at any time, but termination by either of us does not affect your 
obligation to pay the account balance and FINANCE CHARGE arising from 
authorized use of the card. The cards remain our property and you must 
recover and surrender to us all cards upon termination of the Agreement.

5. Checking Overdraft Protection: This VISA Credit Line also allows you 
to overdraft your checking account for any lawful purpose except for 
payment to this VISA Credit Card account.  We will credit to your checking 
account, in multiples of $50, an amount (the advance) sufficient to permit 
us to honor such check. Such credit advances are considered by us as cash 
advances and are subject to the terms and conditions concerning cash 
advances in this Agreement.

6. Credit Information: You authorize us to investigate your credit standing 
when opening, renewing or reviewing your account, and you authorize us 
to disclose information regarding your account to credit bureaus and other 
creditors who inquire of us about your credit standing.

7. Monthly Payment: We will mail you a statement every month showing 
your Previous Balances of purchases and cash advances, the current 
transactions on your account, the remaining credit available under the 
Credit Line, the New Balances of purchases and cash advances, the Total 
New Balances, the FINANCE CHARGE due to date, any other billed fees 
and the Minimum Payment required. Each month, you must pay at least 
the Minimum Payment within 25 days of your statement closing date. By 
separate agreement you may authorize us to charge the Minimum Payment 
automatically to your share account with us. You may, of course, pay 
more frequently, pay more than Minimum Payment, or pay the Total New 
Balance in full, and you will reduce the FINANCE CHARGE by doing so.

The Minimum Payment on your account will be either (a) 2.0% of your Total 
New Balance, or $25, whichever is greater, or (b) your Total New Balance, 
if it is less than $25 plus (c) any portion of the Minimum Payment(s) shown 
on prior statement(s) which remains unpaid. In addition, at any time your 
Total New Balance exceeds your Credit Line, you must immediately pay the 
excess upon our demand.  

We will apply payments first to previously billed and unpaid FINANCE 
CHARGE on purchases, then to previously billed and unpaid FINANCE 
CHARGE on cash advances, then to any late charges and fees due, then 
to cash advances, whether or not billed on the monthly statement, then 
to previously billed purchases. However, any payment equal to, or greater 
than, the Previous Balance of Purchases will be applied first to the balance 
and any FINANCE CHARGE thereon so as to avoid continuing accrual of 
FINANCE CHARGE on that amount. Purchases and cash advances will be 
paid off in the order they were posted to your account. If two or more 
purchases were posted on the same day, your payment will be applied to 
the smallest one first.

8. Irregular Payments: We can accept late payments, partial payments, 
checks and money orders marked “paid in full” or language having the 
same effect without losing any of our rights under this agreement.

9. Finance Charge: You can avoid FINANCE CHARGE on purchases by paying 
the full amount of the New Balance of Purchases each month within 25 
days of your statement closing date.  Otherwise, the New Balance of 
Purchases, and subsequent purchases from the date they are posted to 
your account, will be subject to FINANCE CHARGE.  Cash advances are 
always subject to FINANCE CHARGE from the date they are posted to your 
account. 

FINANCE CHARGE (interest) is calculated on the average daily principal 
balances of purchases and cash advances in the account at the daily 
periodic rate and corresponding Annual Percentage Rate disclosed in the 
VISA Credit Card Approval Letter.

The principal balances of purchases and cash advances are determined 
each day during the statement period, beginning with the principal portion 
of your Previous Balances, reduced by payments you make and credits we 
apply, and increased by purchases and cash advances you make and debit 
adjustments we make during the statement period. The daily principal 
balances are totaled and divided by the number of days in the statement 
period, to produce separate average daily principal balances for purchases 
and cash advances to which the periodic rate is then applied.

10a. Annual Percentage Rate: Your Annual Percentage Rate is provided in 
your VISA Credit Card Approval Letter (the “stated rate”). This rate is subject 
to change.  Your Annual Percentage Rate may also change in the event that 
you request and are approved for an increase or decrease in your Credit 
Line, or request and are approved to change your credit product.

10b. Variable APRs Based on Prime: For our variable rate cards, your 
Annual Percentage Rate is based on the U.S. Prime Rate (“Prime Rate”). 
Your Annual Percentage Rate will equal the Prime Rate plus a margin. If the 
Prime Rate increases, it will cause the Annual Percentage Rate to increase. 
If the Prime Rate decreases, it will cause the Annual Percentage Rate to 
decrease. Your FINANCE CHARGE for every $1.00 in your daily balance may 
increase if the Prime Rate rises and will decrease if the Prime Rate falls. For 
example, a change in the Prime Rate of one percentage point will result 
in a one percentage point change in the same direction in your Annual 
Percentage Rate with a corresponding change in your daily periodic rate. 
For each billing period, we use the Prime Rate published in The Wall Street 
Journal on the first business day of each month. If the Prime Rate causes an 
Annual Percentage Rate to change, we put the new Annual Percentage Rate 
into effect as of the first day of the billing period following the month in 
which the Prime Rate changed. We apply the new Annual Percentage Rate 
to any existing balance, subject to any promotional rates that may apply.

For Platinum Preferred Student/Starter, Platinum Preferred and Platinum 
Preferred Rewards VISA cards, the margin is determined based on an 
evaluation of each member’s credit history. The margins will range from 
4.74% to 14.24% based on product type. For the Classroom Supply Visa, 
the margin is 0.00%. For the Share Secured and the Money Market Share 
Secured Visa cards, the margin is 1.00%. 

If your VISA credit line is secured by a Regular Share account, the maximum 
rate will not exceed 5% above the current APGFCU dividend rate on Regular 
Share Accounts. If your Visa credit line is secured by a Money Market Share 
Account, the maximum rate will not exceed 5% above the current APGFCU 
tier for the lowest Money Market tier rate. For all other variable rate cards, 
The Annual Percentage Rate will not increase to more than 18% (or such 
other rates as may be permitted under the Federal Credit Union Act).

11. Late Charge: In addition to the continued accrual of the FINANCE 
CHARGE at the daily rate, if you fail to pay at least the Minimum Payment 
within 15 days after it is due, we may assess a late charge of $25 per month.

12. Fees: The VISA Card account shall be subject to service charges in 
accordance with the rate schedules disclosed in the VISA Credit Card 
Application, VISA Credit Approval Letter, and/or VISA Credit Card Disclosure 
Statement and Agreement. If you request photocopies of sales slips, 
duplicate copies of monthly billing statements or a replacement card, you 

agree to pay our reasonable costs for such services. The present charges 
for these services are stated specifically in the current Service Price List. 
You can pick one up in any branch or call us and we’ll mail a copy to you.

13a. Default: You will be in default if you fail to make the minimum 
payment within 25 days after your monthly statement closing date. You will 
also be in default if (a) you breach any other conditions of the Agreement, 
(b) bankruptcy or insolvency proceedings are started by you or against you, 
(c) if we determine your credit-worthiness. (which includes your ability 
to repay us) has become unsatisfactory due to change in employment, 
increase in your other obligations, or because of any other reason, (d) in 
the event of your death, or (e) your use of the card in furtherance of any 
purpose deemed to be illegal under state or federal law.

In the event of any default or in the event this Agreement is terminated by 
you or by us for any reason, the entire balance on the Account becomes 
due and payable forthwith.  You also agree that, in case of default, you will 
pay all usual and customary costs of collection permitted by law, including 
court costs and reasonable attorney fees.  You agree that the jurisdiction in 
any dispute or for any collection purposes will be in the State of Maryland.

13b. Share Secured Default: You will be in default if you fail to make the 
minimum payment within 25 days after your monthly statement closing 
date. You will also be in default if (a) you breach any other conditions 
of the Agreement, (b) bankruptcy or insolvency proceedings are started 
by you or against you, (c) if we determine your credit-worthiness (which 
includes your ability to repay us) has become unsatisfactory due to change 
in employment, increase in your other obligations, or because of any 
other reason, (d) in the event of your death, or (e) your use of the card in 
furtherance of any purpose deemed to be illegal under state or federal law. 
In the event of any default or in the event this Agreement is terminated by 
you or by us for any reason, the entire balance on the Account becomes 
due and payable forthwith. You also agree that, in case of default, you will 
pay all usual and customary costs of collection permitted by law, including 
court costs and reasonable attorney fees. You agree that the jurisdiction in 
any dispute or for any collection purposes will be in the State of Maryland.

13c. Penalty APR: The Penalty APR may be applied to your account if you:
        • Are over 60 days past due or
        • Make a payment that is returned and causes your account to 
           be over 60 days past due.

The penalty APR is 18.00% (or such other rates as may be permitted under 
the Federal Credit Union Act). If the penalty APR is applied to your account, 
it will apply to both existing and new transactions. It will no longer apply 
to existing transactions if you make the next six consecutive minimum 
payments. If you do not make these six consecutive minimum payments, 
the Penalty APR may continue to apply to both new and existing balances 
indefinitely.

14. Using the Card: To make a purchase or cash advance, there are two 
alternative procedures to follow. One is for you to present the card to a 
participating VISA plan merchant, to us or to another financial institution 
and sign the sales or cash advance draft which will be imprinted with your 
card. The other is to complete the transaction by using your Personal 
Identification Number (PIN) in conjunction with the card in an Automated 
Teller Machine (ATM) or other type of electronic terminal that provides 
access to the VISA system.

The monthly statement will identify the merchant, electronic terminal 
or financial institution at which transactions were made, but sales, cash 
advance, credit or other slips cannot be returned with the statement. You 
should retain the copy of such slips furnished at the time of the transaction 
in order to verify the monthly statement. The Credit Union may make a 
reasonable charge for photocopies of slips you may request.

We may issue VISA Access Checks to you which may be used to obtain 
cash advances.  Each Access Check will contain your Credit Union member 
number and may be used only by the person whose name is printed on it. 

  
 
Each must be completed and signed in the same way as a regular personal 
check. You may not use a VISA Access Check to pay any amount you owe 
under this Agreement.

other loans with us may also secure advances received under 
this Agreement.

If you give your account number to make a purchase or obtain a cash 
advance without presenting the card (such as for a mail order or telephone 
purchase), the legal effect will still be the same as if the card itself was used 
by you.

15. Returns and Adjustments: Merchants and others who honor the card 
may give credit for returns or adjustments, and they will do so by sending 
us a credit slip which will be posted to your account. If your credits and 
payments exceed what you owe us, we will hold and apply this credit 
balance against future purchases and cash advances, or refund it on your 
written request if it is $1 or more.

16. Foreign Transactions: Purchases and cash advances made in foreign 
countries and foreign currencies will be billed to you in U.S. dollars. The 
conversion rate to dollars and the fees for all international transactions 
will be in accordance with the operating regulations of Visa USA, Inc. The 
exchange rate between the transaction currency and the billing currency 
used for processing international transactions is a rate selected by Visa 
from the range of rates available in wholesale currency markets for the 
applicable central processing date, which rate may vary from the rate 
Visa itself receives, or the government-mandated rate in effect for the 
applicable processing date. In addition, a fee of 1% of the transaction 
amount will be charged on all international transactions regardless of 
whether or not currency conversion is involved.

17. Plan Merchant Disputes: We are not responsible for the refusal of any 
plan merchant or financial institution to honor your card. We are subject to 
claims and defenses (other than tort claims) arising out of goods or services 
you purchase with the card only if you have made a good faith attempt, 
but have been unable to obtain satisfaction from the plan merchant, and: 
(a) your purchase was made in response to an advertisement we sent 
or participated in sending you; or (b) your purchase cost more than $50 
and was made from a plan merchant in your state or within 100 miles of 
your home. Any other disputes you must resolve directly with the plan 
merchant.

18. Security Interest: To secure your account, you grant us a purchase 
money security interest under the Uniform Commercial Code in any goods 
you purchase through the account. If you default, we will have the right 
to recover any of these goods which have not been paid for through our 
application of your payments in the 
manner described in paragraph 7.

As security for any advance to you or on your behalf, you pledge to the 
Credit Union all present and future shares you have in any account in the 
Credit Union in which you have an interest. The Credit Union shall have the 
power in accordance with 12 U.S.C. Section 1757(11) to place a lien on (to 
freeze) your present and future shares, share certificates and dividends to 
the extent of that portion of your loan which is in default, and any charges 
that are due. You are also giving a security interest in all present and future 
checking accounts you have with the Credit Union. You authorize the 
Credit Union to take that money and apply it to what you owe if you are in 
default. The Credit Union may, but does not have to allow you to withdraw 
a portion of your shares or deposits without affecting its security interest. 
You are not giving a security interest in any shares or deposits in any IRA, 
SEP, KEOGH, or any other account which, if pledged, would result in the 
loss of special tax treatment under the Internal Revenue Code.

You are giving a security interest in property identified in the “security 
offered” section of separate Funds Advance Vouchers which you will 
receive for collateral secured advances, as well as any accessions to such 
property and any proceeds from the sale of the property (“collateral”). If 
you have a share pledge secured sub-account, you understand that you 
must keep these shares and deposits equal to your loan balance on deposit 
with the Credit Union until you repay your entire loan. Collateral securing 

19. Effect of Agreement: This Agreement is the contract which applies 
to all transactions of your account even though the sales, cash advance, 
credit or other slips you sign may contain different terms. We may amend 
this Agreement from time to time by sending you the advance written 
notice required by law. Your use of the card thereafter will indicate your 
agreement to the amendments. To the extent the law permits, and we 
indicate in our notice, amendments will apply to your existing account 
balance as well as to future transactions.

20. Credit Insurance: Credit insurance is not required to obtain credit. 
If credit insurance is offered on your account and you request credit 
insurance, the premium will be calculated monthly by multiplying the 
premium rate by the outstanding balance of each account. The premium 
rates per $1,000.00 of the monthly outstanding balance are disclosed to 
you in the VISA Credit Card Application. Premiums will be posted at or after 
the end of each month. The premiums for your credit life and/or disability 
insurance are financed. Although such insurance is freely cancelable, it will 
be retained in effect until you have notified the Credit Union in writing of 
your intention to cancel. If you are late in paying or fail to pay your periodic 
payment, the Credit Union may advance funds on your behalf to pay such 
premiums and the Credit Union may impose additional finance charges on 
the amount financed.

21.  Loan Protection: Loan Protection is not required to obtain credit. If 
loan protection is offered on your account and you request loan protection, 
the fee will be calculated monthly by multiplying the fee rate by the 
outstanding balance of each account.  The fee rates per $1,000.00 of the 
monthly outstanding balance are disclosed to you in the VISA Credit Card 
application. Fees will be posted at or after the end of each month. The fees 
for your loan protection will be added to your outstanding balance each 
month, upon which they will accrue interest. Although such protection 
is freely cancelable, it will be retained in effect until you have notified 
the Credit Union in writing of your intention to cancel.  If you are late in 
paying or fail to pay your periodic payment, the Credit Union may advance 
funds on your behalf to pay such fees and the Credit Union may impose 
additional finance charges on the amount financed.

22. Notices: We will send statements and notices to you at the most recent 
address you have given the Credit Union. If this is a joint account, we can 
send statements and notices to either of you and will be considered notice 
to all. You promise to notify us promptly in writing of any changes in your 
address.

23. No Waiver: The Credit Union can delay enforcing any of its rights any 
number of times without waiving them.  

24. Purchase Rebate: For cards with the annual rebate feature, an annual 
rebate will be given on purchases made throughout the calendar year 
decreased by any purchase credits and excluding cash advances, advances 
made to pay off other loans, or any other increase of your Visa account 
balance, e.g. fees, interest charges. The amount of the rebate is computed 
on the amount of Visa card purchases made in the calendar year according 
to the following breakdown: .0025 on the portion of annual purchases $0 
to $999.99; .0050 on the portion of annual purchases $1,000 to $1,999.99; 
.0075 on the portion of the annual purchases $2,000 to $2,999.99; .01 
on the portion OVER $3,000. The purchase rebate will be credited to 
your APGFCU share account by the end of January for the previous year’s 
purchases. The rebates will only be credited to the accounts of members 
in good standing. If you close your account and/or membership, you will 
forfeit all purchase rebate dollars earned but not yet credited.

25. Reward Points: For those cards that earn reward points, if you close 
your account and/or membership, you will forfeit all rewards points earned 
but not yet credited.

Your Billing Rights: Keep this Document for Future Use
This notice tells you about your rights and our responsibilities under the 
Fair Credit Billing Act.

What to Do If You Find a Mistake on Your Statement
If you think there is an error on your statement, write to us at:
APG Federal Credit Union, P.O. Box 1176, Aberdeen, MD 21001
In your letter, give us the following information:
        •  Account information: Your name and account number.
        •  Dollar amount:  The dollar amount of the suspected error.
        •  Description of problem:  If you think there is an error on your             
            bill, describe what you believe is wrong and why you believe              
            it is a mistake. 
You must contact us:
        •  Within 60 days after the error appeared on your statement.
        •  At least 3 business days before an automated payment is    
            scheduled, if you want to stop payment on the amount you  
            think is wrong.
You must notify us of any potential errors in writing.  You may call us, but 
if you do we are not required to investigate any potential errors and you 
may have to pay the amount in question.

What Will Happen After We Receive Your Letter

When we receive your letter, we must do two things:
         1. Within 30 days of receiving your letter, we must tell you  
             that we received your letter.  We will also tell you if we have                
             already corrected the error.
         2. Within 90 days of receiving your letter, we must either 
             correct the error or explain to you why we believe the bill is  
             correct.
While we investigate whether or not there has been an error:
        •  We cannot try to collect the amount in question, or report you  
            as delinquent on that amount.
        •  The charge in question may remain on your statement, and  
            we may continue to charge you interest on that amount.
        •  While you do not have to pay the amount in question, you are   
            responsible for the remainder of your balance.
        •  We can apply any unpaid amount against your credit limit.

After we finish our investigation, one of two things will happen:
        •  If we made a mistake: You will not have to pay the amount in             
            question or any interest or other fees related to that amount.
        •  If we do not believe there was a mistake: You will have to  
            pay the amount in question, along with applicable interest                  
            and fees. We will send you a statement of the amount you  
            owe and the date payment is due.  We may then report you as  
            delinquent if you do not pay the amount we think you owe.

If you receive our explanation but still believe your bill is wrong, you must 
write to us within 10 days telling us that you still refuse to pay. 
If you do so, we cannot report you as delinquent without also reporting 
that you are questioning your bill.  We must tell you the name of anyone to 
whom we reported you as delinquent, and we must let those organizations 
know when the matter has been settled between us.  

If we do not follow all of the rules above, you do not have to pay the first 
$50 of the amount you question even if your bill is correct. 

Your Rights If You Are Dissatisfied With Your Credit Card Purchases
If you are dissatisfied with the goods or services that you have purchased 
with your credit card, and you have tried in good faith to correct the 
problem with the merchant, you may have the right not to pay the 
remaining amount due on the purchase. To use this right, all of the 
following must be true:
        •  The purchase must have been made in your home state                           
            or within 100 miles of your current mailing address, and the        
            purchase price must have been more than $50. (Note: Neither  

            of these are necessary if your purchase was based on an 
            advertisement we mailed to you, or if we own the company                
            that sold you the goods or services.)
        •  You must have used your credit card for the purchase.  
            Purchases made with cash advances from an ATM or with a  
            check that accesses your credit card account do not qualify.
        •  You must not yet have fully paid for the purchase.

If all of the criteria above are met and you are still dissatisfied with the 
purchase, contact us in writing at:
APG Federal Credit Union, P.O. Box 1176, Aberdeen, MD 21001
While we investigate, the same rules apply to the disputed amount as 
discussed above.  After we finish our investigation, we will tell you our 
decision.  At that point, if we think you owe an amount and you do not pay, 
we may report you as delinquent. 

In case of errors or questions about your electronic funds transfer
(Federal Electronic Funds Transfer Act) Telephone us at (410) 272-4000 
or toll-free at 1-800-225- 2555. TTY: 1-800-811-4888. Or write us at APG 
Federal Credit Union, P.O. Box 1176, Aberdeen, Maryland 21001-6176, as 
soon as you can, if you think your statement or receipt is wrong or if you 
need more information about a transfer listed on the statement or receipt. 
We must hear from you no later than 60 days after we sent the FIRST 
statement on which the problem or error appeared.
        1. Tell us your name and account number (if any).
        2. Describe the error or the transfer you are unsure about, and               
            explain as clearly as you can why you believe it is an error or  
            why you need more information. 
        3. Tell us the dollar amount of the suspected error. 

If you tell us orally, we may require that you send us your complaint or 
question in writing within ten (10) business days. We will determine 
whether an error occurred within ten (10) business days (20 business days 
if the transfer involved a new account) after we hear from you and will 
correct any error promptly. If we need more time, however, we may take 
up to 45 days (90 days if the transfer involved a new account, or a foreign 
initiated transfer) to investigate your complaint or question. If we decide 
to do this, we will credit your account within 5 business days (20 days if 
the transfer involved a new account) for the amount you think is in error, 
so that you will have the use of the money during the time it takes us to 
complete our investigation. If we ask you to put your complaint or question 
in writing and we do not receive it within 10 business days, we may not 
credit your account. An account is considered a new account for 30 days 
after the first deposit is made, if you are a new member.

We will tell you the results within three business days after completing 
our investigation. If we decide that there was no error, we will send you a 
written explanation. You may ask for copies of the documents that we used 
in our investigation.

Automatic Payment Transfers
If you have authorized us to pay your credit card bill automatically from 
your Share or Checking account, you can stop the payment on any amount 
you think is wrong. To stop the payment your letter must reach us three 
business days before the automatic payment is scheduled to occur.

Print on Demand  Rev 05/15

Federally insured by NCUA

           
           
             
             
            
 
           
           
           
            
Interest Rates and Interest Charges

Annual Percentage Rate (APR) for Purchases, Cash 
Advances and Convenience Checks

Visa Platinum Preferred

Visa Platinum Preferred Rewards

Visa Platinum Preferred Student/Starter

Visa Platinum Clarity

Classroom Supply Visaa

Share Secured Visa Platinum Rewardsb

Money Market Share Secured Visa Platinum Rewardsc

APR for Balance Transfers

Penalty APR and When it Applies

How to Avoid Paying Interest on Purchases

For Credit Card Tips from the Consumer Financial 
Protection Bureau

Fees

Transaction Fees
• Cash Advance
• Overdraft Protection Advance (if enrolled)
• Foreign Transaction
• Balance Transfer

2.99% Introductory APR for the first 9 months from date of 
account opening.
After that, your APR is based on your creditworthiness and will vary 
with the market based on the Prime Rate.

8.24% - 16.24%
9.74% - 17.74%
14.24% - 16.24%
15.99% non-variable APR
The APRs below will vary with the market based on the Prime Rate.

3.50%
4.50%
4.50%
0% Introductory APR for 12 months from the date of the transfer for 
all transfers that post to your account by April 30, 2016.
After that, your APR will be 8.24% to 17.74%, based on your credit-
worthiness and product type when you open your account. This APR 
will vary with the market based on the Prime Rate.
18%
This APR may apply to your account if you:
• Are over 60 days past due; or
• Make a payment that is returned and causes your account to be over 
60 days past due.
How long will the Penalty APR apply? If your APRs are increased 
for either of these reasons, the Penalty APR may apply indefinitely.

Your due date is at least 25 days after the close of each billing cycle. 
We will not charge you interest on purchases if you pay the entire 
balance by the due date each month. We will begin charging interest 
on balance transfers, cash advances and overdraft advance, if 
enrolled, on the transaction date.

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.

• $2
• $5 per day
• Up to 1% of transaction amount
• 3% on transfers posted to your account during Balance Transfer 
Introductory APR period ending on April 30, 2016. There is no fee for 
transfers posted after this date.

Penalty Fees 
• Late Payment
• Returned Payment

• $25
• $20

How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).” See your 
account agreement for more details.

Loss of Introductory APR: You may lose your Introductory APR if the Penalty APR applies to your account.

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account 
agreement.

Variable Rate Information: Your APR may vary. Rates are determined and adjusted monthly, according to your statement cycle 
period, by adding a Margin to the Prime Rate published in the Wall Street Journal on the first business day of every month. The 
Margin will range from 4.74% to 14.24% based on an evaluation of each member’s credit history and product type.

a We add 0.00% to the Prime Rate for Classroom Supply Visa

b We add 1.00% to the Prime Rate for the Share Secured Visa, not to exceed 5.00% above the current dividend rate on Regular 
Share Accounts.

c We add 1.00% to the Prime Rate for the Money Market Share Secured Visa, not to exceed 5.00% above the lowest Money 
Market tier rate. 

This disclosure was printed and accurate as of February 24, 2016, and is subject to change after that date. To find out what may 
have changed, or if you have any questions regarding this disclosure, call toll free 1-800-225-2555, or 1-800-811-4888 TTY.

REV 02/16