VISA Classic Pricing Information (Interest Rates and Interest Charges)

Interest Rates and Interest Charges
Annual Percentage Rate (APR) for purchases

APR for Balance Transfers

APR for Cash Advances

9.49% When you open your account, based on your creditworthiness.
This APR will vary with the market based on the 13 Week U.S. Government
Treasury Bill.
9.49% When you open your account, based on your creditworthiness.
This APR will vary with the market based on the 13 Week U.S. Government
Treasury Bill.
9.49% When you open your account, based on your creditworthiness.
This APR will vary with the market based on the 13 Week U.S. Government
Treasury Bill.

Penalty APR and When it Applies

None

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 you any interest on purchases if you pay your entire balance by
the due date each month.

Minimum Interest Charge

None

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.federalreserve.gov/creditcard.

Fees
Annual Fee

Transaction Fees

• Balance Transfer
• Cash Advance
• Foreign Transactions

Penalty Fees

• Late Payment
• Returned Payment

None

None
None
1% of each transaction in U.S. dollars.

Up to $15.
None

How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).”

This information is accurate as of 05/16/2011 and is subject to change after publication date.  Please contact DuTrac Community Credit Union regarding any recent disclosure changes
after date of publication by calling toll-free (800) 475.1331 or send your request via mail to: DuTrac Community Credit Union • PO Box 3250 • Dubuque, IA 52004-3250.