Matanuska Valley Federal 
Credit Union VISA Credit Card 
Application Disclosures   

INTEREST RATES AND INTEREST CHARGES 

Annual Percentage Rate (APR) for 
Purchases   

7.25% to 10.25%, based on your creditworthiness when you open your 
account. This APR will vary with the market based on the U.S. Prime Rate.*   

APR for Cash Advances and Balance 
Transfers   

7.25% to 10.25%, based on your creditworthiness when you open your 
account. This APR will vary with the market based on the U.S. Prime Rate.   

Paying Interest   

Your due date is approximately 30 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. We will begin charging interest on cash 
advances and balance transfers on the transaction date.   

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   

None   

Transaction Fees • Cash Advance Fee 
• Foreign Transaction Fee   

$5 per day 2% of the US dollar amount of the foreign transaction.   

Penalty Fees • Late Payment Fee • 
Returned Item Charge   

Up to $15 Up to $15   

Credit Companion 

OTHER CARD FEATURES 

If you elect to obtain the optional loan protection coverage and pay the 
monthly protection fees, we will cancel your payment(s) or entire loan 
balance if you become disabled or in the event of death. Hospitalization 
benefit is also available. 

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 
Credit Card Account Agreement.   

In addition to the fees above, we may also charge the following fees:   

Card Replacement   
Statement Copy   

Fee: $10.00 per card   
Fee: $2.50 per statement   

*The APR is based on the US Prime Rate of 3.25% as of December 1, 2011. We add a margin of between 4.0% and 7.0% 
to determine your APR. 

The above rates and fees are effective as of January 16, 2012.