Interest Rates and Interest Charges 
Annual Percentage Rate (APR) for 
Purchases 

APR for Balance Transfers 

APR for Cash Advances 

VISA PLATINUM/VISA GOLD/VISA CLASSIC
APPLICATION AND SOLICITATION DISCLOSURE

Visa Platinum 

2.99% introductory APR for a period of six billing cycles. 
After that, your APR will be 8.50%. This APR will vary with the 
market based on the Prime Rate. 

Visa Gold 

4.99% introductory APR for a period of six billing cycles. 
After that, your APR will be 10.50%. This APR will vary with the 
market based on the Prime Rate. 

Visa Classic 

18.20%             
This APR will vary with the market based on the Prime Rate. 
Visa Platinum 

2.99% introductory APR for a period of six billing cycles. 

After that, your APR will be 8.50%. This APR will vary with the market 
based on the Prime Rate. 

Visa Gold 

4.99% introductory APR for a period of six billing cycles. 

After that, your APR will be 10.50%. This APR will vary with the market 
based on the Prime Rate. 

Visa Classic 

18.20%             
This APR will vary with the market based on the Prime Rate. 
Visa Platinum 

2.99% introductory APR for a period of six billing cycles. 

After that, your APR will be 8.50%. This APR will vary with the market 
based on the Prime Rate. 

Visa Gold 

4.99% introductory APR for a period of six billing cycles. 

After that, your APR will be 10.50%. This APR will vary with the market 
based on the Prime Rate. 

Visa Classic 

18.20%           
This APR will vary with the market based on the Prime Rate. 

SEE BACK OF PAGE for more important information about your account. 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
How to Avoid Paying Interest on Purchases  Your due date is at least 25 days after the close of each billing cycle. 

For Credit Card Tips from the Consumer 
Financial Protection Bureau 

We will not charge you any interest on purchases if you pay your entire 
balance by the due date each month.  
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 
Annual Fee 
-  Annual Fee - Visa Platinum 
-  Annual Fee - Visa Gold 
-  Annual Fee - Visa Classic 
Transaction Fees 
-  Foreign Transaction Fee 

Penalty Fees 
-  Late Payment Fee 

None        
None        
$25.00 annually 

1.00% of each multiple currency transaction in U.S. dollars 
0.80% of each single currency transaction in U.S. dollars 

Up to $25.00         

How We Will Calculate Your Balance. We use a method called “average daily balance (including new purchases).”  

Visa Platinum – Promotional Period for Introductory APR: The Introductory APR for purchases, balance transfers, 
and cash advances will apply to transactions posted to your account for the first six billing cycles. 
Visa Gold – Promotional Period for Introductory APR: The Introductory APR for purchases, balance transfers, and 
cash advances will apply to transactions posted to your account for the first six billing cycles. 

Effective Date.  
The information about the costs of the card described in this application is accurate as of March 1, 2016            
This information may have changed after that date. To find out what may have changed, contact the Credit Union. 

OTHER DISCLOSURES 
Annual Fee – Visa Classic 

Late Payment Fee 

Card Replacement Fee 
Loan Modification Fee 

$25.00 at the time of opening and annually on anniversary month 
thereafter or $2.08 per month. 

$25.00 or the amount of the required minimum payment, whichever is 
less, if you are ten (10) or more days late in making a payment. 
$11.00          
$25.00