PENNSYLVANIA STATE
EMPLOYEES CREDIT UNION
P.O. Box 67012
Harrisburg, PA 17106
800.237.7328  •  PSECU.COM

CREDIT CARD 
ACCOUNT 
OPENING 
DISCLOSURE 

This Disclosure is incorporated into and becomes part of Your LOANLINER® Consumer Credit Card Agreement & 
Disclosure. Please keep this attached to Your LOANLINER Consumer Credit Card Agreement & Disclosure. 

PSECU VISA FOUNDER'S CARD 

Interest Rates and Interest Charges 
Annual Percentage Rate (APR) for 
Purchases 

APR for Balance Transfers 

APR for Cash Advances 

Paying Interest 

Minimum Interest Charge 

For Credit Card Tips from the 
Consumer Financial Protection Bureau 

13.65%
This APR will vary with the market based on the Prime Rate. 
3.90% Introductory APR until December 31, 2019.

After that, Your APR will be 13.65%.

This APR will vary with the market based on the Prime Rate. 
13.65%
This APR will vary with the market based on the Prime Rate. 

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. 
None 

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. 

Fees 
Set-up and Maintenance Fees 
- Annual Fee
- Account Set-up Fee
- Program Fee
- Participation Fee
- Additional Card Fee
- Application Fee
Transaction Fees 
- Balance Transfer Fee
- Cash Advance Fee
- Foreign Transaction Fee
- Transaction Fee for Purchases

Penalty Fees 
- Late Payment Fee
- Over-the-Credit Limit Fee
- Returned Payment Fee

None 
None 
None 
None 
None 
None 

None 
None 
None 
None 

Up to $27.00 
None 
None 

How We Will Calculate Your Balance: 
We  use  a  method  called  "average  daily  balance  (including  new  purchases)."  See  Your  Account  Agreement  for  more 
details. 

Promotional Period for Introductory APR: 
The  Introductory  APR  for  balance  transfers  will  apply  to  transactions  posted  to  Your  Account  from  01/01/2018  until
12/31/2018.  Any existing balances on  Pennsylvania  State Employees Credit  Union loan  or credit card accounts are  not
eligible for the Introductory APR for balance transfers. 

© CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved

©PSECU Form #3896 REV 1/2018 V1.0

03720921-MXC20-P-2-091417 (MXC201-E)

 
Billing Rights: 
Information  on  Your  rights  to  dispute  transactions  and  how  to  exercise  those  rights  is  provided  in  Your  Account 
Agreement. 

Military Lending Act Disclosures: 
Federal law provides important protections to members of the Armed Forces and their dependents relating to extensions 
of consumer credit. In general, the cost of consumer credit to a member of the Armed Forces and his or her dependent 
may not exceed an annual percentage rate of 36 percent. This rate must include, as applicable to the credit transaction or 
account:  The  costs  associated  with  credit  insurance  premiums;  fees  for  ancillary  products  sold  in  connection  with  the 
credit  transaction;  any  application  fee  charged  (other  than  certain  application  fees  for  specified  credit  transactions  or 
accounts); and any participation fee charged (other than certain participation fees for a credit card account). 

Please call us at 800.237.7328, extension 3846 to receive  oral disclosures  of  the Military Lending  Act disclosure  above 
and a description of the payment obligation.  

Other Fees & Disclosures: 
Late Payment Fee: 
$27.00  or the  amount of  the required  minimum  payment,  whichever is  less, if  You are  1  or more days  late  in making a 
payment. If  Your  Account  is subject to  a  Late  Payment Fee, the fee  will be charged to  Your  Account  when  You  do  not 
make the required minimum payment by or within the number of days of the statement Payment Due Date set forth on this 
Disclosure. 

PIN Replacement Fee: 
None. 

Rush Fee: 
$40.00.  If  Your  Account  is  subject  to  a  Rush  Fee,  except  as  limited  by  applicable  law,  a  fee  may  be  charged  to  Your 
Account for each rush Card that You request, providing that delivery of the Card is also available by standard mail service, 
without paying a fee for delivery. 

Unreturned Card Fee: 
None. 

Collection Costs: 
You agree to pay all costs of collecting the amount You owe under this Agreement, including court costs and reasonable 
attorney's fees. 

Periodic Rates: 
The Purchase APR is 13.65% which is a monthly periodic rate of 1.1375%.
The Introductory Balance Transfer APR is 3.90% which is a monthly periodic rate of 0.3250%. 
The Balance Transfer APR is 13.65% which is a monthly periodic rate of 1.1375%.
The Cash Advance APR is 13.65% which is a monthly periodic rate of 1.1375%.

Variable Rate: 

The ANNUAL PERCENTAGE RATE may increase in the future. The ANNUAL PERCENTAGE RATE is subject to change 
on the first day of the billing cycle monthly to reflect any change in the Index and will be determined by the Prime Rate on 
the  first  day  of  each  calendar  month,  to  which  We  add  a  margin.  The  ANNUAL  PERCENTAGE  RATE  will  never  be 
greater than 18.00%. Any increase in the ANNUAL PERCENTAGE RATE will result in an increase in the amount of the 
interest You will pay, may increase Your minimum payment, and may increase the number of payments to pay off Your 
balance. 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 9.15% above the Index. 
Balance Transfers will be charged at 9.15% above the Index. 
Cash Advances will be charged at 9.15% above the Index. 

© CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved

03720921-MXC20-P-2-091417 (MXC201-E)