Arrowhead Visa® Credit Card and 
Visa® Classic Secured Credit Card 

Important Disclosure Information 

Effective:  December 1, 2019 

Interest Rates and Interest Charges 

Annual Percentage Rate (APR) 
for Purchases 1 

APR for Balance Transfers 1 

APR for Cash Advances 1 

Arrowhead Visa 11.49% to 26.49% when you open your account, 
based on your creditworthiness. After that, your APR will be a variable rate that 
varies with the market based on the Prime Rate1. 
Visa Classic Secured 19.49% This APR is a variable rate that varies with 
the market based on the Prime Rate1 

Penalty APR 2 and  
When it Applies  

Arrowhead Visa 18.49% to 33.49% when you open your account, based on your 
creditworthiness. After that, your APR will be a variable rate that varies with the 
market based on the Prime Rate2. 
Visa Classic Secured 26.49% This APR is a variable rate that varies with the 
market based on the Prime Rate2. 

This APR may be applied to your account if you: 
1) Make a late payment that is sixty (60) days past due; or 
2) Make a payment that is returned causing your account to be past due. 
How Long Will the Penalty APR Apply?  If your APRs are increased for any of 
these reasons, the Penalty APR will apply until you make six (6) consecutive 
minimum payments when due. 

Paying Interest 

Your due date is at least 21 days after the close of each billing cycle. We will not 
charge you interest on purchases, balance transfers and cash advances if you 
pay your entire balance by the due date each month.  

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 of the Consumer Financial Protection Bureau at 
http://www.consumerfinance.gov/learnmore 

Fees 

Annual Fee 

Transaction Fees 
•  Balance Transfer 
•  Cash Advance 
•  Foreign Transaction 

None 

None 
None 
1% of each transaction in U.S. Dollars (transactions made in foreign currency) 
0.8% of each transaction in U.S. Dollars (transactions made in foreign currency, 
billed in U.S. Dollars) 

Penalty Fees 
•  Late Payment 
•  Over-the-Credit Limit 
•  Returned Payment 

Up to $15 
None 
None 

How We Will Calculate Your Balance:  We use a method called “average daily balance (including new purchases).” 

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your Visa Credit Card 
Agreement. 

1.  The Prime Rate (Index) used to determine the APR is 4.75%. We will add a Margin based on your credit score to determine your 

APR and corresponding Daily Periodic Rate. 

2.  The Prime Rate (Index) used to determine the Penalty APR is 4.75%. We will add a Margin based on your credit score to determine 

your Penalty APR and corresponding Daily Periodic Rate.

Revised 12/2019