Keys Federal Credit Union 
P.O. Box 1898 
Key West, Florida 33041-1898 
(305) 294-6622 or (800) 805-7535 

IMPORTANT CREDIT CARD DISCLOSURES 

The following disclosure represents important details concerning your credit card. The information about costs of the card are 
accurate as of 10-1-2013. You can contact us toll free at the number or address above to inquire if any changes occurred 
since the effective date. 

INTEREST RATES and INTEREST CHARGES: 

Annual Percentage 
Rate (APR) for 
Purchases, Cash 
Advances & Balance 
Transfers 

Visa Platinum 

2.9% Introductory APR for six 
months. 

After that, your Standard APR  
will be  8.15%, 9.15%, 
10.15%, 13.15% or 
16.15%  
depending on your credit history. 

Visa Signature /  
Visa Platinum Rewards 
2.9% Introductory APR for six 
months. 

After that, your Standard APR will 
be 10.15%, 
11.15%, 12.15%, 
15.15% or 18.00% 
depending on your credit history. 

This APR will vary with the 
market based on the Prime Rate. 

This APR will vary with the market 
based on the Prime Rate. 

Visa Platinum 
Secured 
15.15% 
This APR will 

vary with the 

market based on 

the Prime Rate. 

Penalty APR and When 
it Applies 

18%  

This APR may be applied to your account if you make a payment that is late 60 days or 
more. 

How Long Will the Penalty APR Apply? If we increase your APRs due to a late payment, 
we may keep them at this higher level on existing and new balances until you make six 
consecutive on-time payments. 

Paying Interest 

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 new purchase balance by the due date 
each month. We will begin charging interest on cash advances and balance transfers 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 

SEE NEXT PAGE for more important information about this account 

9009 LASER DP FI16880 10-2013 

COPYRIGHT 2009 Securian Financial Group, Inc. All rights reserved.

page 1 of 2 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
FEES: 

Fees to Open or Maintain 
your Account: 

-  Annual Fee: 
-  Application Fee: 

None 
None 

Transaction Fees 

-  Balance Transfer: 
-  Cash Advance: 
-  Foreign Transaction: 

Penalty Fees 

2% of the amount of each transfer (maximum: $75.00; minimum: $10.00) 
2% of the amount of each cash advance (maximum: $999.00; minimum: $10.00) 
1% of each transaction in U.S. dollars if the transaction involves a currency conversion 
1% of each transaction in U.S. dollars if the transaction does not involve a currency 
conversion 

Late Payment: 

- 
- 
-  Over-the-Credit Limit: 
-  Returned Payment: 

If your payment is late, up to $25.00 for the first offense and up to $35.00 each if 2 or 
more offenses occur within 6 months. 
None 
Up to $25.00 if your payment is returned for any reason 

How We Will Calculate Your Balance: We use a method called "average daily balance” (including new purchases). 

Loss of Introductory Rate: We may end your Introductory Rate and apply the Penalty APR disclosed above if you make 
a late payment. 

9009 LASER DP FI16880 10-2013 

COPYRIGHT 2009 Securian Financial Group, Inc. All rights reserved.

page 2 of 2