Visa Credit Card  
Application Disclosures 

P.O. Box 9002 
West Jordan, UT 84084 
Phone:  (801) 260-7600 
Toll Free:  (800) 929-7787 
www.cypruscu.com 

INTEREST RATES AND INTEREST CHARGES 

Annual Percentage  
Rate (APR) for  
Purchases and Balance Trans-
fers  

Visa Platinum, Visa Platinum Rewards, Visa 
Cash Back Rewards 

Visa Share Secured 

Visa Platinum:  
    6.99 % - 18.00 %  
based on your creditworthiness. This APR will 
vary with the market based on the Prime Rate. 

    6.99 %  This APR 
will vary with the market 
based on the Prime Rate. 

Visa Platinum Rewards:  
  9.49 % - 18.00 %  
based on your creditworthiness. This APR will 
vary with the market based on the Prime Rate. 

Visa Platinum Cash Back Rewards:  
 12.49 % -   18.00 %  
based on your creditworthiness. This APR will 
vary with the market based on the Prime Rate. 

Annual Percentage  
Rate (APR) for Cash Advances 

    17.99 % 

Paying Interest  

Your due date is at least 25 days after the close of each billing cycle. We will 
not charge any interest on the portion of the purchases balance that you pay 
by  the  due  date  each  month.  We  will  begin  charging  interest  on  cash  ad-
vances 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. 

Annual Fee 

Transaction Fees 
• Cash Advance Fee 
• Balance Transfer Fee 

Penalty Fees 
• Late Payment Fee 

FEES 

None 

None 
None 

Up to $29 

How  We  Will  Calculate  Your  Balance:    We  use  a  method  called  “average  daily  balance”  (including  new  purchases). 
See your account agreement for further details.  The above rates and fees are effective as of    07/01/2021 . 

© 2021 Farleigh Wada Witt. All Rights Reserved.   

CC App • 1-9-21