VISA  SIGNATURE Disclosure Information
How We 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 the Wings Credit Card Agreement and Truth-In-Lending Disclosure. Rates are effective as of 7/1/20 and are subject to change. Call 1 800 692-2274 for current rate information.� Wings Financial Credit Union
 Interest Rates and Interest ChargesAnnual Percentage Rate(APR) for PurchasesAPR for Balance TransfersAPR for Cash AdvancesPaying InterestCredit Card Tips from the Consumer Financial Protection Bureau
 Transaction FeesCash Advance Late PaymentReturned Payment0.00%  Introductory rate is good for the first 12 months from the date that your new credit card account is opened.After that, your APR will range from 14.20% to 18.00%  based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
0.00% Introductory rate is good for the first 12 months from the date that your new credit card account is opened.After that, your APR will range from 14.20% to 18.00% based on your creditworthiness. This APR will vary with the market based on the Prime Rate.M-131762
14.20% to 18.00% The APR will vary with the market based on the Prime Rate.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 your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers from the posting 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.Either $10 or 2% of the amount of each cash advance, whichever is greater. Penalty Fees:
Up to $27Up to $27