FEATURING Visa® Choice Reward 

Credit Card Pricing Agreement 

Annual Percentage Rate 
(APR) for Purchases 

APR for Cash Advances & 
Balance Transfers 

Penalty APR and When It 
Applies 

INTEREST RATES AND INTEREST CHARGES 
3.90% introductory APR for 6 months. 
After that, your APR will be 10.99% - 18.00%, based on your creditworthiness 
and will vary with the market based on the Prime Rate. 
Balance Transfer APR: 3.90% introductory APR for 9 months. 
After that, your APR will be 10.99% - 18.00%, based on your creditworthiness 
and will vary with the market based on the Prime Rate. 
Cash Advance APR: 3.90% introductory APR for 6 months. 
After that, your APR will be 10.99% - 18.00%, based on your creditworthiness 
and will vary with the market based on the Prime Rate. 

18.00% - This APR may be applied to your account if: 

   Your minimum monthly payment is more than 60 days late 
   You are in default of any other terms of the Agreement 

How long will the penalty APR apply? 
If your APR is increased for any of these reasons, the penalty APR will apply until you 
make six consecutive minimum payments when due. 

How to Avoid Paying Interest 
on Purchases 

Your due date is at least 25 days after the close of each billing cycle. We will not charge 
any interest on the portion of the purchases balance that you pay by the due date each 
month. 

Minimum Finance Charge 

If you are charged interest, the charge will be no less than $1.00. 

For Credit Card Tips from 
the Federal Reserve Board 

To learn more about factors to consider when applying for or using a credit card, visit the 
website of the Federal Reserve Board at  http://www.consumerfinance.gov/learnmore 

Annual Fee 

None 

FEES 

Transaction Fees 
Cash Advance 
Foreign Transaction 

Penalty Fees 
Late Payment Fee 
Returned Item Charge 

Other Fees 
Pay by Phone 

3% of the cash advance transaction (minimum $10.00) 
Up to 1% of the US dollar amount of the foreign transaction 

$25.00 
$25.00 or the amount of the returned item, whichever is less 

Up to $10.00 

THINGS YOU SHOULD KNOW ABOUT THIS REWARDS PROGRAM 

How We Will Calculate Your Balance: We use a method called “Average Daily Balance” (including new 

purchases). W e reserve the right to amend the Visa® Credit Card Agreement as permitted by law. The 
above rates and fees are current as of 11/09/2015. 

REV. 5/16 pg. 1 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Loss of Introductory APR: We may end your introductory APR and apply the penalty APR if you make 

a payment more than 60 days late. 

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided 

in your account agreement. 

These Account Disclosures for the Choice Rewards Credit Card are part of and integrated with your Credit Card 
Agreement and Disclosure with OneAZ Credit Union. 

How are Reward Points Calculated? 
Points are calculated on each individual purchase transaction and rounded [up or down] to the nearest 
whole dollar. The individual results are then added together and we subtract any returns, credits or 
adjustments to determine the net points earned. Points are calculated and credited daily. 

How Do I Redeem My Rewards? 
There are five ways you can redeem your points: 

1)   Travel Redemption 
2)   Merchandise Redemption 
3)   Merchant Gift Card Redemption 
4)   Cash Redemption 
5)   Donation Redemption 

There is no fee to participate in the ONEAZ rewards program and you are automatically enrolled when opening an 
OneAZ Choice Rewards Credit Card. 

All point redemptions are final. Redemptions are subject to point availability and other conditions contained in the Choice 
Rewards Credit Card Terms and Conditions disclosure. 

Disputes: 

1)   All point disputes must be made in writing and sent 

to: OneAZ Credit Union 
Attn: Card ervices 
2355 W. Pinnacle Peak Road 
Phoenix, AZ 85027 

2)   You must contact us within 60 days after the error appeared on your statement. You must notify us in writing. 
3)   All decisions by OneAZregarding point disputes are final. 

When we receive your letter we must do two things: 

1)   Within 30 days of receiving your letter, we must tell you we received your letter. We will also tell you if we 

have already corrected the error. 

2)   Within 90 days of receiving your letter, we must correct the error or explain to you why we believe the statement 
is correct. 

REV. 5/16 pg. 2