Visa Low Rate  Credit Card  
Account  Disclosures  2303 South Center Road  
Burton, MI  48519  
Ph 810 -715-3542 � TF 800 -882-6457  
Fx 810 -600-2590  
www.elgacu.com  
  
 
� 20 21 Farleigh Wada Witt. All Rights Reserved.    Low Rate CC Account Disclosur es � 05-05-21 
INTEREST RATES AND INTEREST CHARGES  
Annual Percentage Rate (APR) 
for Purchases, Balance Transfers 
and Cash Advances  4.90%  introductory APR for six (6) months  
After that , your APR will be 7.90%  
Penalty APR and  
When It Applies  17.90%  
This APR may be appli ed to your account if you make a late payment.  
How long with the Penalty APR apply?   If your APR is increased due to a 
late payment, the Penalty APR will apply until you make six consecutive 
minimum payments when they are due.  
Paying Interest  Your due da te is at least 25 days after the close of each billing cycle. We 
will not charge any interest on the portion of the purchases balance that you 
pay by the due date each month. We will begin charging interest on cash 
advances and balance transfers on the tra nsaction 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: 
http://www.consumerfinanc e.gov/learnmore . 
SERVICE CHARGE S 
Annual Service Charge  None  
Transaction Service Charges  
� Cash Advance  
� Balance Transfer  
� Foreign Transaction   
None  
None  
Up to  2% of the US dollar amount of the foreign transaction . 
This fee applies to any credit card t ransaction made at a location in a fo r-
eign country, or payable to a merchant located in a foreign country even if 
you initiate the transaction from within the United States.  
Penalty Service Charges  
� Late Payment  
� Over -the-Credit Limit  
� Returned Payment   
Up to $25 
None  
$25 
 
Other Service Charges : 
Replacement Card  $5 
Rush Replacement Card  $10 
Rush Delivery of Card  $30 
How We Will Calculate Your Balance:   We use a method called �average daily balance� (including new purchases).  
Billing Rights:   Informati on on your rights to dispute transactions and how to exercise those rights is provided in your 
Credit Card Account Agreement.  
Additional Information  
The Monthly Periodic Rate for the Purchases, Balance Transfers, and Credit Advances APR shown above is : 7.90%.  
These Account Disclosures are part of and integrated with your VISA Credit Card Agreement with ELGA Credit Union.   
We reserve the right to amend the VISA Credit Card Agreement as permitted by law. The above rates and fees are effe c-
tive as of November  1, 2021.