Truity Federal  Credit Union  
VISA� Signature Rewards  Credit Card Program  
This Program Provides a Credit Limit of  
$5,000 or more   
VISA Signature  Rewards  
Interest Rates and Charges  The due date for this card is the 4th of the month.  
Introductory Annual Percentage Rate (APR) for 
Purchases, Cash Advances, Balance Transfers, 
Convenience Checks and ATM Withdrawals  1.99% APR for the first 15 months from card open 
date.  Excludes existing Truity credit card balances. 
After  15 months , your APR will be var iable  based on 
your creditworthiness1 and the Prime Rate , currently  
12.49 % - 18.00% 
Military Annual Percentage Rate (MAPR) for 
Purchases  
For oral disclosure please call 1.800.897.6991  
 Federal law provides important protections to members 
of the Armed Forces and their dependents relating to 
extensions of consumer credit. 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%. See MAPR below for more information.  
Annual Percen tage Rate (APR) for Purchases  
 12.49 % - 18.00 % APR variable based on your 
creditworthiness1 and the Prime Rate  
How to Avoid Paying Interest on Purchases  Your due date is 25 days after the close of each billing 
cycle. We will not charge you interest on purchases if 
you pay your entire balance by the due date of each 
month.  
Paying Interest on Cash Advances, Balance 
Transfers, Convenience Checks and ATM 
Withdrawals  These  transactions accrue interest upon posting on 
your account. We will begin charging int erest on these 
transactions  on the transaction date.  
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: 
www.consumerfinance.gov/learnmore  
Fees  
Annual Fee  None  
Transaction Fees  
Cash Advance, Balance Transfer, Convenience  
   Check and ATM Withdrawal Fee  
Duplicate Merchant Sales Slip  
Duplicate Copy of Billing Statement  
Replacement Card  
Stop Payment Fee (Convenience Checks)  
Foreign Transaction Fee   
3% of the Transaction Amount or $10,  
   whichever is greater  
$5.00   
$3.00 (Research $25 per hour)  
$10.00  (in excess , of 1 per year)  
$28.00  
None  
Penalty Fees  
Late Payment Fee  
Return Payment Fee   
$28.00 (5 days past the Due Date)  
$28.00 
How We Will Calculate Your Balance : We use a method called �average daily balance� for both purchases and cash advances 
(including new transactions). See your Cardholder Agreement for more details.  
 
MAPR:  Federal l aw provides important protections to members of the Armed Forces and their dependents relating to e xtensions 
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 perce ntage rate of 36 percent. This rate must include, as applicable to the credit transaction or account: The 
costs associated with credit insurance premium; fees for ancillary products sold in connection with the credit transaction; a ny 
application fee charge d (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). For Active Military Lending oral disclosure pl ease 
call 1.800.897.69 91.   
 
Prime Rate : Your variable rates may change when the Prime Rate changes. We calculate variable rates by adding a margin 
based on your creditworthiness to the Prime rate published in The Wall Street Journal  on the 25th day of each month. If the 
Journal  is not published on that day, then see the immediately preceding edition. Variable rates will be updated quarterly and 
will take effect on the first day of your January, April, July and October billing periods.  
 
� We add 7 .74% to the Prime Rate to determi ne the APR for A credit; we add 8.74% to the Prime Rate to determine the APR for B 
credit; we add 9.74% to the Prime Rate to determine  the APR for C credit; we add 12 .74% to the Prime Rate to determine the 
APR for D credit; we add 14.65% to the Prime Rate to determine the APR for E credit. To receive A credit APR,  you need a credit 
score of 740 or higher; B credit APR you need a credit score of 739 � 690; C credit APR you need a credit score of 689 - 650 or 
higher; for D credit APR you need a credit score o f 649 � 620; for E credit APR you need a credit score of 619 or lower. The APR 
will never be greater than 18.00% or the maximum rate allowed by law, whichever is less.  
 
App Disclosure � Signature Rewards 8/1/2022   Truity Federal Credit Union  
CREDIT CARD CARDHOLDER AGREEMENT  
 
This is the Agreement that establishes the terms of your Cardholder Account (�Account�) with Truity Federal Credit Union (�Cr edit Union�) including accounts 
opened with us through other credit unions that participate in the Credit Uni on�s VISA/MasterCard program and whose name may be on the face of your Card. 
Please read it carefully and keep it for your records. You do not need to sign this Agreement, but please be sure to sign the back of your Card if you have not 
already done so . All extensions of credit in connection with your Account are being made by the Credit Union. Any use of your Card or Accoun t confirms your 
acceptance of the terms and conditions of this Agreement.  
 
Definitions:  In this Agreement, the word �you� and �you r� refer to each person (jointly and severally if more than one) who has applied for the Account and any 
other person who has agreed to be responsible for the Account. The words �we,� �us� and �our� refer to the Credit Union. �Car d� refers to each VISA and /or 
MasterCard that is issued on your account. The Card(s) must be returned or surrendered to us or our agent upon request.  
 
Using Your Account:  You may use your Card or Account to purchase or lease goods or services or pay amounts you owe wherever the Ca rd is honored or transfer 
balances from other accounts. You may also use the Card to obtain cash loans (�Cash Advances�) from any financial institution  that accepts the Card or at 
Automated Teller Machines (�ATM�) or by writing Convenience Checks. You agre e to accept credits to your Account instead of cash refunds when the original 
Purchase was charged to your Account.  
 
We may issue Convenience Checks to you, which may be used to access your credit line. Use of a Convenience Check will be trea ted as a Cash  Advance in the 
amount on your check. Each Convenience Check will contain your Account number and may be used only by the cardholders on the Account. Each must be 
completed and signed by you (or either of you) in the same manner as a regular personal check . If we provide Convenience Checks for your Account,  you may 
not use them to pay any amount you owe under your Cardholder Agreement. Checks written for more than the available line of cr edit or if the Account is not in 
good standing may not be honored.  
 
Obligations On Your Account: You authorize us to pay and charge your Account for all Purchases and Cash Advances made or obtained by you or anyone you 
authorize to use your Card or Account. You promise to pay us for all these Purchases and Cash Advances, plu s any Finance Charges assessed on your Account 
and any other charges and fees that you may owe us under the terms of this Agreement. You will be obligated to pay authorized  charges to your Account 
whether resulting from (1) actual use of your Card or Conve nience Checks (2) mail order or telephone, computer or other electronic Purchases made without 
presenting the Card or (3) any other circumstance where you authorize a charge, or authorize someone else to make a charge, t o your Account. Each person 
who is i ncluded within the definition of the term �you,� above, is responsible to pay the full amount owed on the Account. We may req uire that you pay in full the 
amount owed without first asking the other person(s) to pay. All payments must be made in U.S. Dollar s. Any payment made by check or other negotiable 
instrument must be drawn on a U.S. bank or a U.S. branch of a foreign bank. Subject to any mandatory provisions of applicable  law, we will apply your payments 
to the balances in your Account in whatever mann er we determine. You are responsible for charges made by yourself, your spouse,  and minor children. You are 
also responsible for charges made by anyone else to whom you give the Card, and this responsibility continues until the Card is recovered. You canno t disclaim 
responsibility by notifying us, but we will close the Account for new transactions if you so request and you return all Cards . Your obligation to pay the Account 
balance continues even though an agreement, divorce decree or other court judgments  to which we are not a party, may direct you or one of the other persons 
responsible to pay the Account.  
 
Credit Line/Authorized Usage: Your credit line is shown on the folder containing your Card. Since we may change your credit line from time to time, y our credit 
line will appear on your monthly statement. You agree not to make a Purchase or obtain a Cash Advance that would cause the un paid balance of your Account 
to exceed your credit line. We may honor Purchases and Cash Advances more than  your credi t line at our sole discretion. If we do, this Agreement also applies to 
that excess  and you agree to pay the excess immediately if we request that you do so. You agree that we may change or cancel your credit line at any time 
without affecting your obligation to pay amounts that you owe under this Agreement. We may designate that only a portion of your credit line is available for 
Cash Advances. If we do and you exceed that limit, you will be considered to have exceeded your credit line for all purposes of this Cardholder Agreement. For 
security reasons, we may limit the number or dollar amount of Purchases, Cash Advance and/or Convenience Check transactions that may be accomplished 
with your Card or Account, and we may have the right to limit authorizations to make Purchases or obtain Cash Advances if we consider it necessary to verify 
payments received to your Account.  
 
Periodic Statements: We will send a statement at the end of each monthly billing cycle in which your Account has a debit or credit balance. Among other things, 
your monthly statement will show your New Balance, any Financ e Charge, your Credit Line and Available Credit, your Minimum Monthly Payment and the 
Payment Due Date. You should retain copies of sales slips and/or documentation of transactions to verify against your periodi c statement.  
 
Minimum Monthly Payment : If th e New Balance shown on your Monthly Statement is less than $15, your Minimum Monthly Payment (due by the Payment Due 
Date) is your New Balance. Otherwise, the Minimum Monthly Payment for each billing cycle will be the greater of $15.00 or the  total of (1) 2% of the New 
Balance, plus (2) any amount past due, plus (3) if we so elect, any amount over your credit line at the time of billing. You may pay more than the Minimum 
Monthly Payment and may at any time pay the full amount you owe us.  
 
Finance Charges:  We calculate the �balance subject to Finance Charge� separately for Purchases and Cash Advances.  
 
Method of Calculation: Finance Charge is calculated on the average daily balances of Purchases and Cash Advances in the Account. The principal balan ces of 
Purchases and Cash Advances are determined each day during the statement period, beginning with the principal portion of your p revious balances, reduced by 
payments you make and credit we apply and increased by Purchases and Cash Advances you make and debit adjustments we make during the statement 
period. The daily principal balances are totaled and  divided by the number of days in the statement period, to produce separate average daily principal balances 
for Purchases and Cash Advances to which the periodic rate is then applied. If we have �special� periodic rate offers in effect from time to time, we will 
separately identify them on your monthly statement and separately disclose on your monthly statement the balances to which th e special offers apply. These 
separate balances and the related Periodic Finance Charges will be calculated in the same manner as described above.  
 
Grace Period: For Cash Advances, we will add a Periodic Finance Charge from the day you take the Cash Advance until the  day we receive pa yment in full . 
However, you have a grace period for Purchases. You will not pay a Periodic Finance Charge on current or previous Purchases i f you paid your New Balance in 
full by the Payment Due Date on your previous statement (or that balance was zero or a credit amount) and you pay your new balance in full by the Payment Due 
Date on your current statement.  
 
Non-Grace Period: For Purchases and Cash Advances, we will add a Periodic Finance Charge from the day you take the Cash Advance or Purchase unt il the  day 
we receive payment in full.    
  
Other Charges: In addition to the Finance Charges discussed above, the following charges may be applicable to your Account.  
  
Annual Fee: None    
Late Fee:  If we do not receive a payment from you for at least the amount of your Minimum Monthly Payment by the Payment Due Date shown  on your monthly 
statement, we may charge you a late payment fee in the amount stated in the Table of Charges. You will only be ch arged one late payment fee for any Minimum 
Monthly Payment which is not paid by the Payment Due Date.  
 
Return Check Fee:  If your financial institution does not honor the check  you gave us to pay amounts you owe under this Agreement, we may charge you a return 
check fee in the amount stated in the Table of Charges.  
 
Administrative Fees: If you request photocopies of sales slips or duplicate copies of monthly statements, or if y ou request replacement Cards or any special 
services such as obtaining Cards on an expedited basis, you agree to pay our reasonable charges for such services. The presen t charges for such services are 
specified in the Table of Charges. However, if you requ est items such as sales slips or duplicate statements in connection with any disputed billing matter (see 
�Your Billing Rights� on the back panel), we will not impose a fee if a billing error is disclosed. Unless otherwise arranged  between us, the annual m embership 
fee (if any)  and any late, return check, or administrative fee will be added to your Account.  
 
Default/Collection Costs:  Your Account will be in default and we may demand immediate payment of the entire amount you owe us without giving you prior  
notice if: (1) in any month we do not receive your Minimum Monthly Payment by the Payment Due Date; (2) you make Purchases or  obtain Cash Advances in 
excess of your credit line; (3) you fail to comply with this Agreement; (4) there is a filing for your ba nkruptcy; (5) you die or become incapacitated; or (6) we 
believe in good faith that the payment or performance of your obligations under this Agreement is impaired for any other reas on. As permitted by applicable law, 
you agree to pay all collection expens es actually incurred by us in the collection of amounts you owe under this Agreement (including court costs and the fees of 
any collection agency to which we refer your Account) and, in the event we refer your Account after your default to an attorn ey who is not our regularly salaried 
employee, you agree to pay the reasonable fees for such attorney. We will not be obligated to honor any attempted use of your  Account if a default has occurred,  
or we have determined to terminate your Account or limit your Acc ount privileges (as discussed below).  
 
Security Interest: To secure your Account, you grant us a purchase money security interest under the Uniform Commercial Code in any goods you pu rchase 
through the Account as described on your credit card receipt. If you default, we will have the right of recovery any of these goods that have not been paid for.  
 
Pledge of Shares: You hereby pledge your accounts and credits and any additions to such accounts and credit that you have or hereafter may have  in this Credit  
Union as a security of any obligation to the Credit Union. This pledge is given to secure the payment of all your Account obl igations to us and interest that may 
accrue thereon, attorney fees and costs (where federal law permits and where federal law over rides prohibition of attorney fees by state law). You hereby 
authorize us to apply all such monies pledged to the payment of said obligations. This pledge shall not apply to Individual Retirement Accounts, Keogh Act 
Accounts and accounts where the pledging  of such accounts would invalidate such accounts. Any security agreement given at this time for collateral shall be 
signed and made a part of your file. When any additional security is needed in the future circumstances, which we do not now foresee, such a dditional security 
will be taken only with your written consent and a copy of the Security agreement will be furnished to you.  
 
Termination:  We may terminate your privileges under this Agreement or limit your right to make Purchases or obtain Cash Advance s at any time (and list your 
Account in warning bulletins) without notice or liability. If we ask, you must return your Cards and any unused Convenience C hecks to us, cut in half. You agree 
that you will not try to make a Purchase or obtain a Cash Advance after you have been notified that your privilege to use your Account has been terminated. You 
may terminate this Agreement at any time. If you do, you must return to us all Cards and Convenience checks previously issued  on the Account. If you call us, we 
may require that you confirm your intent to terminate in writing. Your or our termination will not affect your existing obliga tions under this Agreement or your 
liability for all charges posted to your Account prior to the time all Cards and unused Convenie nce Checks issued on your Account are returned to us.  
 
Notices: We will send statements and any other notices to you at the address shown in our files. You promise to inform us promptly in writing of any change in 
your address. We may at our discretion ac cept address corrections from the United States Postal Service.  
 
Foreign Currency Transactions: The exchange rate for international transactions will be a rate selected by VISA or MasterCard from the range of rates availa ble 
in wholesale currency markets,  which may vary from the rate VISA or MasterCard receives, or the government -mandated rate in effect for the applicable central 
processing date.  
 
Change in this Agreement: We can change the terms of this agreement, including the Annual Percentage Rate and  any fees at any time. We will notify you of the 
change. As permitted by applicable law, any change in this Agreement will become effective at the time stated in our notice a nd unless we state otherwise, the 
change will apply to all outstanding balances in  your Account as well as to new transactions.  
 
Credit Information: You agree that we may request consumer credit reports from one or more credit reporting agencies in connection with your appl ication and 
administration of your Account. You also authorize us to exchange credit information concerning you or your Account with (and answer questions and requests 
from) others, such as merchants and credit reporting agencies.   
 
Phone Calls: In the regular course of our business we may monitor  and record phone co nversations made or received by our employees. You agree that we will 
have such right with respect to all phone conversations between you and our employees whether initiated by you or any of our employees.  
 
Refusal to Honor Card: We are not responsible fo r refusals to honor your Card or Convenience Checks. And, except as otherwise required by applicable law or 
regulation, we will not be responsible for merchandise or services purchased or leased through use of your Account.  
 
Irregular Payments and Delay i n Enforcement:  We can accept late payments, partial payments, checks and money orders �Paid in Full� or language having the 
same effect without losing any of our rights under this Agreement. We can also delay enforcing our rights under this Agreemen t any n umber of items without 
losing them. The fact that we may at any time honor a Purchase or Cash Advance more than  your maximum credit line does not obligate us to do so again.  
 
Unauthorized Use of Your Account: If your Card, Personal Identification Number (P IN) or Convenience Checks are lost or stolen or if you are afraid someone may 
use your Account without your permission, you must notify us at once. You may be liable for that unauthorized use of your Acc ount. You will not be liable for 
unauthorized use tha t occurs after you notify us. You can give us notification of the loss, theft or unauthorized use of your Account by writing to us at PO Box 
1358, Bartlesville, OK 74005 -1358 or verbally by calling us at 918.336.7662 or 800.897.6991. In any case, your maxi mum liability is $50.00. We may limit 
access to your Account if you have notified us or we have determined that your Card, PIN, Convenience Checks may have been lo st or stolen, or that there may 
be unauthorized access to your Account.  
 
Inquiries or Questi ons: You may address any inquiries or questions which you have about your Account to us at PO Box 1358, Bartlesville, OK 74005 -1358, or 
you may call us 918.336.7662 or 800.897.6991. If you telephone us instead of writing, you may lose certain rights the law gives you to dispute billing errors 
(see �Your Billing Rights�  below).  
 
  Table of Charges  
 
The Annual Percentage Rate (APR) is a Variable rate and will be disclosed on your monthly statement along with the periodic r ate. The Annual Percentage Rate 
for new and existing balances may change the first day of January, April, July , and October, or anytime during the billing cycle with appropriate notice  as required 
by law if the rate will increase. The Annual Percentage Rate for all new and existing balances  for the VISA/MasterCard program is based on the publicly quoted 
Prime Rate as of the first day of the calendar quarter for the quarter preceding the date of any change plus a margin that is  based on your creditworthiness. The 
maximum APR will not exceed t he rate permitted under the Federal Credit Union Act. The APR may be adjusted upward based on individual credit standings, 
debt to income ratio and aggregate credit score. Credit scores are reviewed bi -annually and any change in score may result in a chang e to your APR.  
 
Cash Advance, Balance Transfer, Convenience Check  
and ATM Withdrawal Fee:  3% of the Cash Advance Amount or $10, whichever is greater  
Duplicate of Merchant Sales Slip:  $5.00  
Duplicate Copy of Monthly Billing Statement  $3.00 (Research Fee $25/hour)  
Replacement Card (in excess of 1 per year)  $10.00  
Expedited Shipping of Cards:  Quoted at time of issue  
Stop Payment Fee (Convenience Checks):  $28.00  
Domestic Transaction Fee  None  
Foreign Transaction Fee  1% of Transaction Amount (Excludes Sig nature  Rewards  Program)  
Late Payment Fee  $28.00 (5 days past the Due Date)  
Return Payment Fee  $28.00 
 
YOUR BILLING RIGHTS: KEEP THIS NOTICE FOR FUTURE USE  
This notice contains important information about your rights and our responsibilities under the Fair Credit Billing Act.  
NOTIFY US IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR STATEMENT/BILLING AT:  
Cardholder Services , PO Box 31112 , Tampa, FL 33631 -3112  
800.654.7728  
 
If you think your billing statement is wrong or if you need more information about a transaction on your billing statement, write us on a separate sheet of paper 
and mail to the above address which is also listed on your billing statement. Write to us as soon as possible. We must hear f rom you no later than 60 days after 
we sent you the fi rst billing statement on which the error or problem appeared. You can telephone us,  however  doing so will not preserve your rights.   
 
In your letter, give us the following information:  
 - Your name and account number.  
 - The dollar amount of the suspect ed error.  
 - Describe the error and explain, if you can, why you believe there is an error.  
 - If you need more information, describe the item you are unsure about.  
 
YOUR RIGHTS AND OUR RESPONSIBILITIES AFTER WE RECEIVE YOUR WRITTEN NOTICE  
 
We must acknowledge your letter within 30 days unless  we have corrected the error by then. Within 90 days, we must either correct the error or explain why we 
believe the bill was correct.  
  
After we receive your letter, we cannot try to collect any amount you question, or report you as delinquent. We can continue to bill you for the amount you 
question, including finance charges, and we can apply any unpaid amount against your credit limit. You do not have to pay any  questioned amount while we are 
investiga ting, but you are still obligated to pay the parts of your bill that are not in question.  
 
If we find that we made a mistake on your bill, you will not have to pay any finance charges related to any questioned amount . If we didn�t make a mistake, you 
may have to pay finance charges and make up any missed payments on the questioned amount. In either case, we will send you a stat ement of the amount 
owed and the date that it is due. If you fail to pay the amount,  we think you owe, we may report you as delinqu ent. However, if our explanation does not satisfy 
you and you write to us within 10 days telling us that you still refuse to pay, we must tell anyone we report you to that you  have a question on your bill. And we 
must tell you the name of anyone we reporte d you to. We must tell anyone we report you to that the matter has been settled between us when it finally is.  
 
If we don�t follow these rules, we can�t collect the first $50 of the questioned amount, even if your bill was correct.  
 
SPECIAL RULE FOR CRE DIT CARD PURCHASES  
 
If you are dissatisfied with the goods or services that you purchased with your credit card, and you have tried in good faith  to correct the problem with the 
merchant, you may have the right to not pay the remaining amount due on the pro perty or services. To use this right, all the following must be true:  
1. The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase pri ce must have been 
more than $50. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own the company 
that sold you the goods or services.)  
2. You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check th at accesses your credit 
card account do not qualify.  
3. You must not yet have fully paid for the purchase.  
If all the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at the address below. Whil e we investigate, t he same rules 
apply to the disputed amount as discussed above. After we finish our investigation, we will tell you, our decision. At that point, if we think you owe an amount 
and you do not pay, we may report you as delinquent.  
 
Truity Fede ral Credit Union , 501 S Johnstone , PO Box 1358 , Bartlesville, OK 74005 -1358  
800.897.6991 , Talk2Us@TruityCU.org  
 
TO REPORT A LOST OR STOLEN CARD OR OTHER ACCESS DEVICE AFTER HOURS CALL:   
800.449.7728  
 
 
This agre ement is accurate as of August  1, 202 2. For the most current Cardholder Agreement, visit TruityCU.org  or call 800.897.6991.