American Eagle Financial Credit Union, Inc.  
Visa� Credit Card Disclosure of Rates and Terms  � Signature Card  
 
Interest Rates and Interest Charges  
 
 Annual Percentage Rate (APR)  
 APR for  Purchases   
 
  2.99%  Introductory APR for the first 12 months after account opening.  
After that, your APR will be  12.15%  to 18.00% .  This will vary with the 
market rate based on the Prime Rate.  
 
APR for Cash Advances   
                            
  2.99%  Introductory APR for the first 12 months after account opening.  
After that, your APR will be  12.15%  to 18.00% .  This APR  will vary 
with the market rate based on the Prime Rate.  
  APR for Balance Transfers  
 
  
                           
  
   0.00%  Introductory APR for the first 12 months after account opening.  
 
After that, your APR will be 12.15% to 18.00% .  This APR  will vary 
with the market rate based on the Prime Rate.  
 
  Penalty APR & When it Applies :  
18.00%   
 
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.  
  
   Paying Interest  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 overdra ft 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  
 
How We Will Calculate Your Balance : We use a method called �averag e 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  Fees   
Annual Fee  None  
Transaction Fees:  
 
�  Balance Transfer  
�  Cash Advance  
�  Overdraft Protection  
�  Foreign Transaction   
 
  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.  
  None  
Penalty Fees:  
�  Late Payment  
�  Over -the-Credit Limit  
�  Returned Payment   
  Up to $37  
  None  
  $25