Important Terms and Conditions
Visa® Signature Card 

Effective 
December 2015 

Interest Rates and Interest Charges 
Annual Percentage Rate 
(APR) for Purchases 

APRs for Balance Transfers 

APRs for Cash Advances 

Penalty APR and When it Applies 
Minimum Interest Charge 
How to Avoid Paying Interest on 
Purchases 

Credit Card Tips from the Consumer 
Financial Protection Bureau 

Fees
Set-up and Maintenance Fees 
Annual Fee 
Transaction Fees 

•
•

Balance Transfer
Cash Advance

Foreign Transaction 
Penalty Fees 

Late Payment

•
• Over-the-Credit Limit
•
Returned Payment

10.15% to 18.00%*
When you open your account, based on your credit worthiness. After that, 
your APR will vary with the market based on the Prime Rate. 
10.15% to 18.00%*
When you open your account based on your credit worthiness. After that, 
your APR will vary with the market based on the Prime Rate. 
10.15% to 18.00%*
When you open your account, based on your credit worthiness. After that 
your APR will vary with the market based on the Prime Rate. 
None 
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. 
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. 

None 

2% of the amount of each transfer 
2% of the amount of each cash advance 
None 

Up to $25 
None 
Up to $25 

How We Calculate Your Balance: We use a method called “average daily balance (including new purchases).” (See cardholder 
agreement for complete details.) 

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account 
agreement. 

*Your standard APR may vary and is based on Prime Rate. Your rate is determined by adding a margin to the Prime Rate. The
Prime Rate Index used to determine your APR is the rate published in The Wall Street Journal quarterly (January, April, July and 
October) and changes are effective as the first day of your next billing cycle. Current rate as of December 2015. (See 
cardholder agreement for complete details.

TruStoneFinancial.org | 763.544.1517 | 800.862.1998