INTEREST RATES AND INTEREST CHARGES

Annual Percentage Rate 
(APR) for purchases

Credit Score

Visa Classic

A
10.25%

Visa Rewards

12.50%

B
12.25%

C
13.25%
13.50% 15.00% N/A

D
15.50%

We will tell you in writing which rate applies  
upon approval of your application. Rate based on credit score.

Shared Secured 13.50%

APR for Balance Transfers 

The Annual Percentage Rate will be 2% higher than the stated interest rate based on your score. 

APR for Cash Advances 

The Annual Percentage Rate will be 2% higher than the stated interest rate based on your score.

Penalty APR and When It Applies 18.00%   This APR may be applied to your account if you:

1) Make a late payment;
2) Go over your credit limit;
3) Make a payment that is returned; or
4) Do any of the above on another account that you have with us.
How Long Will the Penalty APR Apply? If your APR is increased for any of these reasons,   
the Penalty APR will apply until (you make 6 consecutive minimum payments 
when due).

How to Avoid Paying 
Interest on Purchases 

Your due date is 25 days after the close of each billing cycle. We will not charge 
interest on purchases if you pay your entire balance by the due date each month. 

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.

FEES
· Annual Fee 

Transaction Fees 

None

· Balance Transfer 
· Cash Advance 
· Foreign Transaction Fees 

0% of the amount of each transfer. 
1.50 % of transaction amount.
1% of transaction amount.

Penalty Fees 
· Late Payment (15 Days or More) 
· Returned Payment Fee 
· Over-the-Limit Fee 
· Balance Transfer Fee 
· Cash Advance Fee 

$10.00 
$15.00 
None 
0% of the amount of each transfer 
1.50% of transaction amount

How We Will Calculate Your Balance: We use a method 
called “average daily balance (including new purchases).”
The information about the cost of the card described on this application was 
printed on  June 1, 2018 and was accurate as of that date, but is subject to 
change after that date.  

Billing Rights: Information on your rights to dispute transactions and how to exercise 
those rights is provided in your account agreement.

GREATER SPRINGFIELD
CREDIT UNION

1030 Wilbraham Road, Springfield, MA 01109
Phone:  (413) 782-3161   Fax: (413) 783-0142
www.grscu.org

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
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To apply for a Greater Springfield CU Visa® Credit Card, visit www.grscu.org, 
call (413) 782-3161, or stop by any of our office locations. After approval, 
your card is mailed within 10 business days.

•  Low fixed rate

  •  No annual fee

•  Rewards points

  •  Convenience to make purchases worldwide.

•  Flexibility to make purchases in person, over the phone, or on the    

Internet. Plus obtain a cash advance when you need it.

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Loan Protect
This optional coverage helps to protect your credit and reduce financial 
pressure in the event of death or disability.*

*Exclusions apply. Ask for details.

3-D Secure
3-D Secure offers additional fraud protection by analyzing the merchant’s 
contextual data and then prompting consumers to verify their identity only 
on high risk transactions.

Lost or Stolen Card Reporting
Enjoy peace of mind knowing that if your Visa card is ever lost or stolen, 
assistance is a phone call away. Please call 800-682-6075 for 24/7, 365 days 
a year assistance or go to www.reportmycards.com.

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With MyCardRules,™ you decide when, where and who uses your cards.

Manage Your Card Spending Right From Your Mobile Device
Turn your cards on or off, set spending limits and get alerts. All with a few quick taps

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•   1% cash back on all transactions 
which is deposited to a share 
account on June 1 and December 1.