Elements Financial Credit Card Disclosures 

Important Credit Card Disclosures for Elements Financial Visa Cash Rewards, Visa Platinum, 
and Visa Signature Rewards credit cards 

The following disclosure represents important details concerning your Elements Financial Visa Cash Rewards, Visa 
Platinum, or Visa Signature credit card. The information about costs of the card is accurate as of October 4, 2018. 
You can contact us toll free at 800-621-2105 or Elements Financial Federal Credit Union, P.O. Box 7123, 
Indianapolis, IN 46207-7123 to inquire if any changes occurred since the effective date. 

INTEREST RATES and INTEREST CHARGES 

Visa Cash Rewards 

Visa Platinum 

Visa Signature Rewards 

0% Introductory APR for 
six months. 

0% Introductory APR for 
six months. 

0% Introductory APR for 
six months. 

Annual 
Percentage Rate 
(APR) for 
Purchases and 
Balance Transfers 

After that, your Standard 
APR will be 14.99%. 

After that, your Standard 
APR will be 10.99%. 

After that, your Standard 
APR will be 12.99%. 

This APR will vary with 
the market based on the 
Prime Rate. 

This APR will vary with 
the market based on the 
Prime Rate. 

This APR will vary with 
the market based on the 
Prime Rate. 

APR for Cash 
Advances 

17.99% This APR will 
vary with the market 
based on the Prime Rate. 

17.99% This APR will 
vary with the market 
based on the Prime Rate. 

17.99% This APR will 
vary with the market 
based on the Prime Rate. 

Paying Interest 

Your due date is at least 25 days after the close of each billing cycle. We will not 
charge you any interest on purchases and balance transfers if you pay your entire 
balance by the due date each month. We will begin charging interest on cash advances 
on the date the cash advance is posted to your account. 

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 for the Consumer Financial Protection Bureau 
at http://www.consumerfinance.gov/learnmore 

FEES 

Visa Cash Rewards 

Visa Platinum 

Visa Signature Rewards 

Fees to Open or 
Maintain Your 
Account 

•
•

Annual Fee: None
Application Fee: None

Balance Transfer: None 

Balance Transfer: None 

Balance Transfer: None 

Cash Advance: 
Up to 3% for each Cash 
Advance or a minimum 
of $5.00 

Cash Advance: 
Up to 3% for each Cash 
Advance or a minimum 
of $5.00 

Cash Advance: 
Up to 3% for each Cash 
Advance or a minimum 
of $5.00 

Transaction 
Fees 

Wire Transfer: 
Up to 3% for each wire 
transfer or a minimum 
of $5.00 

Wire Transfer: 
Up to 3% for each wire 
transfer or a minimum 
of $5.00 

Wire Transfer: 
Up to 3% for each wire 
transfer or a minimum 
of $5.00 

International Transaction: 
1.0% of each transaction 
in U.S. dollars 

International Transaction: 
1.0% of each transaction 
in U.S. dollars 

Penalty Fees 

Late Payment: 
Up to $25.00 if your 
payment is late 

Over-the-Credit Limit: 
None 

Returned Payment: Up 
to $25.00 if your payment 
is returned for any reason 

Late Payment: None 

Over-the-Credit Limit: 
None 

Late Payment: 
Up to $25.00 if your 
payment is late 

Over-the-Credit Limit: 
None 

Returned Payment: Up 
to $25.00 if your payment 
is returned for any reason 

Returned Payment: Up 
to $25.00 if your payment 
is returned for any reason 

How We Will Calculate Your Balance: We use a method called "Average Daily Balance (including new purchases)." 

Loss of Introductory Rate: We may end your Introductory Rate and apply the Standard APR disclosed above if you 
make a late payment. 

Important Credit Card Disclosures for Butler University Rewards Visa credit card 

The following disclosure represents important details concerning your Butler University Rewards Visa credit card. 
The information about costs of the card is accurate as of October  4,  2018.  You can contact us toll free at 800-621-
2105 or Elements Financial Federal Credit Union, P.O. Box 7123, Indianapolis, IN 46207-7123 to inquire if any 
changes occurred since the effective date. 

INTEREST RATES and INTEREST CHARGES 

Annual Percentage 
Rate (APR) for 
Purchases and 
Balance Transfers 

APR for Cash 
Advances 

Paying Interest 

Butler University Rewards Visa 

0% Introductory APR for six months. 

After that, your Standard APR will be 14.99%. 

This APR will vary with the market based on the Prime Rate. 

17.99% This APR will vary with the market based on the Prime Rate. 

Your due date is at least 25 days after the close of each billing cycle. We will not 
charge you any interest on purchases and balance transfers if you pay your entire 
balance by the due date each month. We will begin charging interest on cash 
advances on the date the cash advance is posted to your account. 

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 for the Consumer Financial Protection Bureau 
at http://www.consumerfinance.gov/learnmore 

FEES 

Fees to Open or Maintain your Account: 

•
•

Annual Fee: None
Application Fee: None

Transaction Fees 

Balance Transfer: None
Cash Advance: Up to 3% for each Cash Advance or a minimum of $5.00

•
•
• Wire Transfer: Up to 3% for each wire transfer or a minimum of $5.00
•

International Transaction: None

Penalty Fees 

Late Payment: Up to $25.00 if your payment is late

•
• Over-the-Credit Limit: None
•

Returned Payment: Up to $25.00 if your payment is returned for any reason

How We Will Calculate Your Balance: We use a method called "Average Daily Balance (including new purchases)." 

Loss of Introductory Rate: We may end your Introductory Rate and apply the Standard APR disclosed above if you 
make a late payment. 

Important Credit Card Disclosures for Riley Children's Foundation Visa credit card 

The following disclosure represents important details concerning your Riley Children's Foundation Visa credit card. 
The information about costs of the card is accurate as of October 4, 2018 You can contact us toll free at 800- 621-
2105 or Elements Financial Federal Credit Union, P.O. Box 7123, Indianapolis, IN 46207-7123 to inquire if any 
changes occurred since the effective date. 

INTEREST RATES and INTEREST CHARGES 

Annual Percentage 
Rate (APR) for 
Purchases and 
Balance Transfers 

APR for Cash 
Advances 

Paying Interest 

Riley Children's Foundation Visa 

0% Introductory APR for six months. 

After that, your Standard APR will be 10.99%. 

This APR will vary with the market based on the Prime Rate. 

10.99% This APR will vary with the market based on the Prime Rate. 

Your due date is at least 25 days after the close of each billing cycle. We will not 
charge you any interest on purchases and balance transfers if you pay your entire 
balance by the due date each month. We will begin charging interest on cash 
advances on the date the cash advance is posted to your account. 

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 for the Consumer Financial Protection Bureau 
at http://www.consumerfinance.gov/learnmore 

FEES 

Fees to Open or Maintain your Account: 

•
•

Annual Fee: None
Application Fee: None

Transaction Fees 

Balance Transfer: Up to 1% of each Balance Transfer or a minimum of $5.00
Cash Advance: Up to 3% for each Cash Advance or a minimum of $5.00

•
•
• Wire Transfer: Up to 3% for each wire transfer or a minimum of $5.00
•
International Transaction: 1.0% of each transaction in U.S. dollars

Penalty Fees 

Late Payment: Up to $25.00 if your payment is late

•
• Over-the-Credit Limit: None
•

Returned Payment: Up to $25.00 if your payment is returned for any reason

How We Will Calculate Your Balance: We use a method called "Average Daily Balance (including new purchases)." 

Loss of Introductory Rate: We may end your Introductory Rate and apply the Standard APR disclosed above if you 
make a late payment. 

Important Credit Card Disclosures for Elements Financial Secured Visa credit card 

The following disclosure represents important details concerning your Elements Financial Secured Visa credit card. 
The information about costs of the card is accurate as of October 4, 2018. You can contact us toll free at 800-621-
2105 or Elements Financial Federal Credit Union, P.O. Box 7123, Indianapolis, IN 46207-7123 to inquire if any 
changes occurred since the effective date. 

INTEREST RATES and INTEREST CHARGES 

Elements Secured Visa 

Annual Percentage 
Rate (APR) for 
Purchases and 
Balance Transfers 

APR for Cash 
Advances 

Paying Interest 

14.99% — This APR will vary with the market based on the Prime Rate. 

17.99% APR will vary with the market based on the Prime Rate. 

Your due date is at least 25 days after the close of each billing cycle. We will not charge 
you any interest on purchases and balance transfers if you pay your entire balance by the 
due date each month. We will begin charging interest on cash advances on the date the 
cash advance is posted to your account. 

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 for the Consumer Financial Protection Bureau 
at http://www.consumerfinance.gov/learnmore 

FEES 

Fees to Open or Maintain your Account: 

•
•

Annual Fee: None
Application Fee: None

Transaction Fees 

Balance Transfer: Up to 3% of each Balance Transfer or a minimum of $5.00
Cash Advance: Up to 3% for each Cash Advance or a minimum of $5.00

•
•
• Wire Transfer: Up to 3% for each wire transfer or a minimum of $5.00
•
International Transaction: 1.0% of each transaction in U.S. dollars

Penalty Fees 

Late Payment: Up to $25.00 if your payment is late

•
• Over-the-Credit Limit: None
•

Returned Payment: Up to $25.00 if your payment is returned for any reason

An Elements Financial Savings account is a requirement of the Secured Visa Card. At least 100% of the 
approved credit line amount must remain on deposit in an Elements personal Savings Account (Secured Bank 
Account). The deposit requirement ranges from a minimum of $500 to a maximum of $5,000, based upon approved 
credit line amount. The Secured Visa Card is a non-rewards card. 

How We Will Calculate Your Balance: We use a method called "Average Daily Balance (including new purchases)." 

†) Elements Financial Visa Credit Card introductory rate good for six months. 1) Annual Percentage Rate. Subject to 
credit approval. Additional limitations, terms and conditions apply.

Credit Card Services: 800-234-5354 (questions, issues, lost/stolen cards) 
Pure Perks: 855-814-5597 

To make payments to your Elements Financial credit card, send them payable to: 
Elements Financial Federal Credit Union 
PO Box 10324 
Des Moines, IA 50306-0324