INTERESTS RATES AND 
INTEREST CHARGES ANNUAL 
PERCENTAGE RATE (APR) 
FOR PURCHASES 
APR FOR BALANCE 
TRASNFERS 

APR FOR CASH ADVANCES 

PENALTY PRICING AND WHEN 
IT APPLIES 
PAYING INTEREST 

MINIMUM INTEREST CHARGE 

FOR CREDIT CARD TIPS 
FROM THE CONSUMER 
FINANCIAL PROTECTION 
BUREAU 

FEES  
ANNUAL FEE 
TRANSACTION FEES 
BALANCE TRANSFER FEE 
CASH ADVANCE FEE 

FOREIGN TRANSACTION FEE 
PENALTY FEES 
LATE PAYMENT FEE 
OVER-THE-CREDIT LIMIT FEE 
RETURNED PAYMENT FEE 

Pricing Information 

In effect as of 04/01/2016 

8.150% TO 17.900% 
THIS APR WILL VARY WITH THE MARKET BASED ON THE 
PRIME RATE. 

10.150% TO 17.900% 
THIS APR WILL VARY WITH THE MARKET BASED ON THE 
PRIME RATE. 
10.150% TO 17.900% 
THIS APR WILL VARY WITH THE MARKET BASED ON THE 
PRIME RATE. 
NONE 

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 AND BALANCE 
TRANSFERS ON THE TRANSACTION DATE. 
IF YOU ARE CHARGED INTEREST, THE CHARGE WILL BE NO 
LESS THAN $2.00. 
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 

$0.00 

$0.00 
EITHER $10.00 OR 2.000% OF THE AMOUNT OF EACH CASH 
ADVANCE, WHICHEVER IS GREATER. 
2% OF EACH FOREIGN TRANSACTION IN U.S. DOLLARS 

UP TO $25.00 
$0.00 
UP TO $25.00 

HOW  WE  WILL  CALCULATE  YOUR  BALANCE:  WE  USE  A  METHOD  CALLED  “AVERAGE  DAILY  BALANCE 
(INCLUDING NEW PURCHASES).” THIS METHOD IS EXPLAINED IN THE CARDHOLDER AGREEMENT. 

BILLING  RIGHTS:  INFORMATION  ON  YOUR  RIGHTS  TO  DISPUTE  TRANSACTIONS  IS  PROVIDED  IN  THE 
CARDHOLDER AGREEMENT. 

REPLACEMENT CARDS, COPIES AND SPECIAL SERVICES:  
STATEMEMT COPY FEE: $5.00 
RUSH FEE: $35.00 
EMERGENCY CARD REPLACEMENT FEE UP TO: $200.00 
RESEARCH FEE: $25.00 PER HOUR 

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Variable Terms Addendum 

VARIABLE RATE:  
THE ANNUAL PERCENTAGE RATE IS SUBJECT TO CHANGE ON THE FIRST DAY OF 
THE BILLING CYCLE QUARTERLY TO REFLECT ANY CHANGE IN THE INDEX AND WILL 
BE DETERMINED BY THE PRIME RATE ON THE FIRST DAY OF EACH QUARTER 
(JANUARY, APRIL, JULY, OCTOBER) OF EACH YEAR AS PUBLISHED IN THE WALL 
STREET JOURNAL “MONEY RATES” TABLE TO WHICH WE ADD A MARGIN. ANY 
INCREASE IN THE ANNUAL PERCENTAGE RATE WILL TAKE THE FORM OF 
ADDITIONAL PAYMENTS SHOWN AS TOTAL MINIMUM PAYEMENTS ON THE 
STATEMENT. IF THE INDEX IS NO LONGER AVAILABLE, THE CREDIT UNION WILL 
CHOOSE A NEW INDEX WHICH IS BASED UPON COMPARABLE INFORMATION. 

MARGIN:  
PURCHASES WILL BE CHARGED AT PRIME RATE PLUS FROM 4.650% TO 14.650%. 
BALANCE TRANSFERS WILL BE CHARGED AT PRIME RATE PLUS FROM 6.650% TO 14.650%.   
CASH ADVANCES WILL BE CHARGED AT PRIME RATE PLUS FROM 6.650% TO 14.650%. 

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