9009 LASER DP FI16880 10-2013 COPYRIGHT 2009 Securian Financial Group, Inc. All r ights reserved. 
page 1 of 2 
 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 detai ls concerning your credit card. The information abo ut costs of the card are 
accurate as of 10-1-2013. You can contact us toll f ree at the number or address above to inquire if an y changes occurred 
since the effective date. 
INTEREST RATES and INTEREST CHARGES: 
Annual Perc entage 
Rate (APR) for 
Purchases, Cash 
Advances & Balance 
Transfers Visa Platinum Visa Signature  /  
Visa Platinum Rewards Visa Platinum 
Secured 
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. 
This APR will vary with the 
market based on the Prime Rate.  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.  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 a nd new balances until you make six 
consecutive on-time payments. 
Paying Interest  Your due date is at least 25 days after the close o f each billing cycle. We will not charge 
you interest on purchases if you pay your entire ne w 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 r ights reserved. 
page 2 of 2 
  
FEES:  
Fees to Open or Maintain 
your Account: 
- Annual Fee: 
- Application Fee: 
  
 
None 
None 
Transaction Fees  
- Balance Transfer: 
- Cash Advance: 
- Foreign Transaction: 
 
 
  
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 transact ion involves a currency conversion 
1% of each transaction in U.S. dollars if the transact ion does not involve a currency 
conversion 
 
Penalty Fees  
- 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� (in cluding new purchases). 
Loss of Introductory Rate:  We may end your Introductory Rate and apply the Pe nalty  APR disclosed above if you make 
a late payment.