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

APR for Balance Transfers 

APR for Cash Advances 

VISA PLATINUM/VISA GOLD/VISA CLASSIC
APPLICATION AND SOLICITATION DISCLOSURE

Visa Platinum 

3.99% introductory APR until June 30, 2015. 

After that, your APR will be 8.25%. This APR will vary with the 
market based on the Prime Rate. 

Visa Gold 

7.99% introductory APR until June 30, 2015. 

After that, your APR will be 10.25%. This APR will vary with the 
market based on the Prime Rate. 

Visa Classic 

17.95%             
This APR will vary with the market based on the Prime Rate. 
Visa Platinum 

3.99% introductory APR until June 30, 2015. 

After that, your APR will be 8.25%. This APR will vary with the 
market based on the Prime Rate. 

Visa Gold 

7.99% introductory APR until June 30, 2015. 

After that, your APR will be 10.25%. This APR will vary with the 
market based on the Prime Rate. 

Visa Classic 

17.95%             
This APR will vary with the market based on the Prime Rate. 
Visa Platinum 

3.99% introductory APR until June 30, 2015. 

After that, your APR will be 8.25%. This APR will vary with the 
market based on the Prime Rate. 

Visa Gold 

7.99% introductory APR until June 30, 2015. 

After that, your APR will be 10.25%. This APR will vary with the 
market based on the Prime Rate. 

Visa Classic 

17.95%           
This APR will vary with the market based on the Prime Rate. 

SEE BACK OF PAGE for more important information about your account. 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
How to Avoid Paying Interest on Purchases  Your due date is at least 25 days after the close of each billing cycle. 

For Credit Card Tips from the Consumer 
Financial Protection Bureau 

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. 

Fees 
Annual Fee 
-  Annual Fee - Visa Platinum 
-  Annual Fee - Visa Gold 
-  Annual Fee - Visa Classic 
Transaction Fees 
-  Foreign Transaction Fee 

Penalty Fees 
-  Late Payment Fee 

None        
None        
$25.00 annually 

1.00% of each multiple currency transaction in U.S. dollars 
0.80% of each single currency transaction in U.S. dollars 

Up to $25.00         

How We Will Calculate Your Balance. We use a method called “average daily balance (including new purchases).”  

Effective Date.  
The information about the costs of the card described in this application is accurate as of October 1, 2014            
This information may have changed after that date. To find out what may have changed, contact the Credit Union. 

OTHER DISCLOSURES 

Annual Fee – Visa Classic 

$25.00 at the time of opening and annually on anniversary month 
thereafter or $2.08 per month. 

Late Payment Fee 

Emergency Card Replacement Fee 
Card Replacement Fee 
Loan Modification Fee 

$25.00 or the amount of the required minimum payment, whichever is 
less, if you are ten (10) or more days late in making a payment. 
$11.00 plus $25.00 expedited delivery fee 
$11.00           
$25.00