American Eagle Financial Credit Union, Inc. 
Visa® Credit Card Disclosure of Rates and Terms – Secured Card 

Interest Rates and Interest Charges 

 Annual Percentage Rate (APR) 

 APR for Purchases  

  17.15% to 18.00% when you open your account.  

     This APR will vary with the market based on the Prime Rate. 

APR for Cash Advances  

  17.15% to 18.00% when you open your account.  

     This APR will vary with the market based on the Prime Rate. 

  APR for Balance Transfers 

0.00% Introductory APR for 12 months on balance transfers made between    
January 1 – March 31, 2020. 
After that, your APR will be 17.15% to 18.00%, based on your 
creditworthiness.  

    This APR will vary with the market based on the Prime Rate. 

  Penalty APR & When it Applies: 

18.00%  

   Paying Interest 

This APR may be applied to your account if you make a late payment.  

How Long will the Penalty APR Apply? If your APRs are increased due 
to late payments, the Penalty APR will apply until you make six consecutive 
minimum payments when due.  

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, balance 
transfers, convenience check, and overdraft protection transactions on the 
transaction date. 

   Minimum Interest Charge 

None 

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 

Transaction Fees: 

•  Balance Transfer  
•  Cash Advance 
•  Overdraft Protection 
•  Foreign Transaction 

Penalty Fees: 

•  Late Payment 
•  Over-the-Credit Limit 
•  Returned Payment 

None 

  Either $10 or 3% of the amount of each transaction, whichever is greater.  
  Either $10 or 3% of the amount of each cash advance, whichever is greater. 
  Either $10 or 3% of the amount of each overdraft transaction, whichever is greater. 
  3% of each transaction in U.S. dollars. 

  Up to $37  
  None 
  $25 

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: We may end your introductory APR and apply the Penalty APR if you make a late payment. 

Billing Rights: Information on your rights to dispute transactions and how to exercise these rights is provided in 
your account agreement.  

The information about the costs of the cards described in this disclosure is accurate as of 11/2019. This 
information may have changed after that date. To find out what may have changed, call us at 800.842.0145. 

KEEP THIS DISCLOSURE FOR YOUR RECORDS. 

11/2019