P.O. Box 67013 
Harrisburg, PA 17106
800.237.7328
psecu.com

This Addendum is incorporated into and becomes part of your LOANLINER® Consumer Credit Card Agreement. 
Please keep this attached to your LOANLINER® Consumer Credit Card Agreement. 

VISA® CLASSIC 
CREDIT CARD ACCOUNT OPENING DISCLOSURE

Interest Rates and Interest Charges 
Annual Percentage Rate (APR) for 
Purchases 
APR for Balance Transfers 

APR for Cash Advances 
Paying Interest 

For Credit Card Tips from the Consumer 
Financial Protection Bureau 

9.90%
2.90%  Promotional APR until December 31, 2017.F4 
After December 31, 2017, any remaining balance will be charged the APR for cash advances.5 
9.90% 
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.  
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. 

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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
How We Will Calculate Your Balance. We use a method called “average daily balance (excluding new purchases).” See 
your account Agreement for more details. 

Up to $20.00
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 of each transaction in U.S. dollars 

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1.00%
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Promotional Period for Promotional APR. The Promotional APR for balance transfers will apply to transactions posted 
to your account from January 1, 2016 until December 31, 2016.
Billing  Rights.  Information  on  your  rights  to  dispute  transactions  and  how  to  exercise  those  rights  is  provided  in  your 
account Agreement.  
OTHER DISCLOSURES 
Late Payment Fee 

PIN Replacement Fee 
Unreturned Card Fee 
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. 

$20.00 or the amount of the required minimum payment, whichever is 
less, if you are one (1) or more days late in making a payment.
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The Purchase APR is 9.90% which is a monthly periodic rate of 0.8250%.
The Introductory Balance Transfer APR is 2.90% which is a monthly periodic rate of 0.2417%.
The Balance Transfer APR is 9.90% which is a monthly periodic rate of 0.8250%.
The Cash Advance APR is 9.90% which is a monthly periodic rate of 0.8250%.

©CUNA Mutual Group 2009, 10, 12 All Rights Reserved 

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