TYNDALL FEDERAL CREDIT UNION
VISA®  GOLD APPLICATION DISCLOSURE

Interest Rates and Interest Charges
Annual Percentage Rate (APR) for 
Purchases

Visa® Gold

Visa® Gold Rewards

APR for Balance Transfers

Visa® Gold

Visa® Gold Rewards

7.95% to 10.75%, based on your credit worthiness
This APR will vary with the market based on the Prime Rate.

11.90% to 12.90%, based on your credit worthiness
This APR will vary with the market based on the Prime Rate.

1.99% Introductory APR for six (6) months on Balance
           Transfers made between December 19, 2014 and
           March 18, 2015.
After that, your APR will be 7.95% to 10.75%, based on your 
credit worthiness
     This APR will vary with the market based on the Prime Rate.

1.99% Introductory APR for six (6) months on Balance
           Transfers made between December 19, 2014 and
           March 18, 2015.
After that, your APR will be 11.90% to 12.90%, based on your 
credit worthiness
     This APR will vary with the market based on the Prime Rate.

Annual for Cash Advances

Visa® Gold

7.95% to 10.75%

This APR will vary with the market based on the Prime Rate.

Visa® Gold Rewards

11.90% to 12.90%

Penalty APR and When it Applies
How to Avoid Paying Interest on 
Purchases

Minimum Interest Charge
For Credit Card Tips from the 
Consumer Financial Protection 
Bureau

This APR will vary with the market based on the Prime Rate.

None
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.

REV. 12/2014 TFCU 6146

Cont'd on Back

I001264

Fees

Annual Fee
Transaction Fees

Balance Transfer
Cash Advance
Foreign Transaction

Penalty Fees

Late Payment
Over-the-Credit Limit
Returned Payment

Other Fees

Required

None

None
None
- International transactions that involve currency
  conversions - 1% of each transaction in U.S. Dollars
- International transactions that do not involve currency
  conversions - 0.8% of each transaction in U.S. Dollars

10% of payment due with a minimum of $2.00 (maximum $25)
None
Up to $25

Fee for ATM cash advances - None if performed at a Tyndall 
Federal Credit Union Branch or a Tyndall Federal Credit 
Union Automated Teller Machine (ATM).  

How We Will Calculate Your Balance - Average Daily Balance

Variable Rate Information: The Index used to determine your variable APRs is the Prime Rate published 
in the Money Rates column of the Wall Street Journal on the last business day the rate is published in each 
calendar month.  If the Prime Rate changes, the new rate will take effect on the first day of the next billing 
cycle.  As of 12/17/2008, the Prime Rate is 3.25%.

APR for Purchases and Balance Transfers:  To determine the APR for purchases and balances 
transfers, we add a margin of 4.70% to 9.65% to the Index (Prime Rate), with a cap of 18.00%.  If the Prime 
Rate decreases, the APR will also decrease. If the Prime Rate increases, the APR will also increase up to 
the cap of 18.00%.

APR for Cash Advances:  To determine the APR for cash advances, we add a margin of 3.65% or 7.65% 
to the Index (Prime Rate), with a cap of 18.00%.  If the Prime Rate decreases, the APR will also decrease. 
If the Prime Rate increases, the APR will also increase up to the cap of 18.00%.

Billing Rights - Information on your rights to dispute transactions and how to exercise those rights is 
provided in your Credit Card Agreement.

Wisconsin Fees Only:  Wisconsin law provides that no agreement, court order or individual statement 
applying to marital property will affect a creditor's interest unless prior to the time credit is granted, the 
creditor is provided with a copy of the agreement, court order or statement, or has actual knowledge of 
any adverse provision.

New York residents  may contact the New York State Banking Department at 1-800-518-8866 to obtain a 
comparative listing of credit card rates, fees, and grace periods.

Ohio Residents:  The Ohio laws against discrimination require that all creditors make credit equally 
available to all credit worthy customers, and that credit reporting agencies maintain separate credit 
histories on each individual upon request.  The Ohio civil rights commission administers compliance 
with this law.

Washington State Residents:  Washington state law against discrimination prohibits discrimination in 
credit transactions because of race, creed, color, national origin, sex, or marital status.  The Washington 
State Human Rights Commission administers compliance with this law.